RBL Bank — rbl bank credit card fraud transaction

Address:

Faridabad, Haryana, 121003

Rbl credit card fraud on 23 may 2018 of rs 40000 and rs 48000. Card no [protected]
Complaint was registered through telephone on 23 may 2018 and fraud dispute form was submitted on 24 may 2018.
Received letter ref no 10/[protected] on 26 june 2018 that liability is yours when person who has done this transaction, mr raju, [protected], raju. [protected]@gmail.com not match with my details.
If you are aware these details thet person who has done these transaction don't match to my details, as per your letter, how liability is mine.
And how your investigation come to this conclusion.
How same otp has gone to fraud person (2 nd person) when card was in my pocket.
In sms of otp, there is no option to stop this transaction.
Customer care number mention on card [protected] (Although it's new card) is not for credit card issues, so how i can stop the transaction, i did not receive any call for confirmation.
On 24 may merchant had not claim the transaction why we cannot stop payment, as it's my money let merchant will also suffer.
Why only i am suffering or facing harassment of calling, sending mails.
I have full believe in our banking systems and law of land, please resolve.
Regards
Prashant chopra
[protected]
Prashant. [protected]@gmail.com