ICICI Bank Ignoring Fraud

I’m frustrated right now and need some advice. Two months ago, I fell for a fraud of telegram one for ₹3,000 and another for ₹7,000. I immediately raised a dispute with the bank, explaining that a scammer had accessed my device and somehow fetched my card details and OTP.

Instead of looking into it, ICICI just dismissed my complaint, saying the transactions were OTP/PIN authenticated—blaming me for it. But that’s the whole point of my complaint! The scammer got my OTP through fraud, and now I’m being told that nothing can be done.

From what I understand, RBI has guidelines for cases like this, and banks are supposed to investigate properly. But ICICI seems to be completely ignoring that. I’m planning to escalate this to RBI, but has anyone here gone through something similar? Any idea how to get them to take this seriously?