Consumer Redressal

Hello sir, I am an SBI bank credit card holder for last 2 years. Last month I came back from USA from an official trip and while I was in India post my travel, my credit card was being misused and 3 fraudulent transactions happened on my credit card. I immediately contacted my bank and was advised to send a scan copy of the dispute form with details of the fraudulent transactions that happened on my card. I promptly sent them the details as requested and was told that this matter would be investigated. Now after 3 weeks SBI Credit card team has replied stating that the merchant bank is not able to process the credit for the above mentioned transaction.Therefore request me to approach the merchant directly to claim this credit and clear the outstanding amount and clear the outstanding amount due towards my Card Account. I would sincerely request you to suggest on how to deal with this. I also do not want my name to be uploaded to cibil which will spoil my reputation. Kindly suggest.