Stanchart not helping in credit card scam

Standard Chartered Bank is not following RBI guidelines and not reversing fraudalent international transactions on my credit card. Please join me as any of us can be affected by this fraud and these banks will take us for a ride.

The details of my complaint are as follows

My credit card was used for fraudulent international transactions without my knowledge on 13th December, 2019 as per monthly statements . I complained to stanchart about these fraud transaction within 7 working days about this fraud and a chargeback be done and transactions reversed. The bank reversed the amount but now again is saying that i am liable stating "We note that the said transactions were incurred post validating the credentials such as card number and the OTP triggered to your registered mobile number. An unique password (One Time Password) for each and every transactions will be generated and it serves as another level of authentication to carry out an online transaction. A review of our records indicates that the above mentioned transactions were carried out on a 3D secured website post successful validation of your card credentials and the OTP which was sent to your registered mobile number, the said transactions were approved."



The bank has no proof of the following and not provided any proof that i did these transactions

1) No proof provided that these transactions were done on m y residential adress and i have received any goods

2)No proof provided about the delivery of product/services availed against the payment

3)Unavailability of ECI 3DS and CVV Response

4) IP used for transaction



In international transactions OTP is not required so how can bank say OTP is provided and i am liable. I have reported the transaction within 7 days and as per RBI guidelines my max liability can be at most Rs 10,000 (this also should not be levied actually)



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Transaction Details

1) INR37854 at dmarket.com

2) INR 63720 at neonet.pl