State Bank Of India [SBI] — suspicious of fraud transaction in my savings account without otp confirmation

Address:

State Bank of India, Temple Bus Stop, Kukatpally, Hyderabad., Hyderabad, Telangana

I have a savings account in state bank of india, temple branch, kukatpally. On 10th march 2019, multiple suspicious transactions has been completed against my account and debited around rs. 7120/- with multiple transactions (As rs. 79, rs. 249, rs. 449, rs.99). I have not received any otp (One time password) also to authenticate the transaction. Below is the sms which i got.

Thank you for using your sbi debit card 4021 for a purchase worth rs.449 on pos 99999999 at google*proxima beta txn#[protected]. If not done by you, forward this sms from mobile number registered with sbi to [protected] to block your card. You may also call[protected]

I have raised a complaint in cyber crime police station and submitted the complaint copy in that bank and in google play website as well.

The bank manager is saying that you have registered your card details in google play which causes you the debit transaction. But i haven't used my card details in google play for any purchase and not even shared my debit card details like (Card number, name on the card, expiry date, cvv) etc details to any body. Being a software professional and educated person, i know all the precautions to take care to avoid these kind of fraud transactions. Even the card is with me while these suspicious transaction had happened.

Also, when i check the online statement and transactions posted in passbook there is a mismatch. All the transactions were not posted in the passbook and there is a mismatch in the available amount also when compared.

I have below question in my mind and none is answering in bank.
1) without otp confirmation, how the transaction has happened.
2) i don't see any orders purchase history in my google play account. Then how the transaction are showing as google*proxima
3) why there is a data mismatch in online statement and passbook posting. Why the data inconsistent.
4) what extra precautions should i take care to avoid for repeating these kind of suspicious transaction.

As this is online media, i am not sharing bank account number, card number, expiry date, cvv, ifsc code, online statement, passbook printed transaction etc details here.

So, i request sbi bank to refund the same amount and credit back to my savings account.

Also, can someone guide me on what is the exact process to get the refund.