RBI Ombudsman Rejoinder: Bank's Reply Ignores INGRAM & MASTERCARD Rules

Seeking legal advice for RBI Ombudsman rejoinder. Bank rejected my ₹70k non-delivery chargeback. My Evidence: Merchant defaulted. I filed a formal INGRAM (Nat'l Consumer Helpline) complaint for "Non-Delivery." I gave this INGRAM report to the bank. My RBI complaint also cited Mastercard Code 4853 (Non-Delivery). Bank's Reply: Bank's reply to Ombudsman is contradictory. Claims I "raised [it] under Fraud" but then admits "you are disputing that goods and service not received." Falsely justifies denial using irrelevant RBI rules for unauthorized OTP fraud. Falsely claims bank "cannot dispute" OTP transactions. Reply makes zero mention of my INGRAM report OR MC Code 4853. Questions: How to prove bad faith? Bank deliberately misclassified as 'fraud' to deny a valid 'non-delivery' dispute. How to prove their 'OTP-no dispute' claim is false? What's the legal weight of the bank omitting both the INGRAM report & MC 4853? Is this a willful 'deficiency of service'?