India: United We Stand

Update: Appreciate all the useful comments from everyone. After considering everything, I talked to HDFC & Cred again threatening an RBI Ombudsman complaint and well...at least HDFC responded. They told me details of the incorrect account it has been transferred to (which Cred has not even acknowledged). I never have/had multiple credit cards so its definitely a mistake on Cred's part. Uninstalling Cred right away. My charges will be rolled back once HDFC receives the indemnity form. Hopefully, the credit score too is corrected. Seems like a sure battle to get my credit score back up. I will delete the post soon as its quite a lot of distraction to deal with, while also working. Thank you everyone.

So, I paid for my HDFC credit card, outstanding amount on 1st March. CRED confirmed that the payment is made so I relaxed. Until yesterday, when HDFC called me to say my dues are still pending. Raised numerous complaints on HDFC and CRED but no one is caring to follow-up. I am being charged late fee and interest, I cannot afford to pay the due amount again (it was quite a lot).

I check the transactions on my credit card, and there is no credited amount for me to prove that CRED deposited the amount with HDFC. The amount was promptly deducted from my account and I have UPI reference number saying it was sent to CRED successfully.

CRED provides me with a UTR number however cannot themselves prove they paid HDFC. I'm incurring late fees running between the two but none of these institutions can verify the payment.

CRED has no customer support for a big tech organisation, I cannot call anyone. I just raise tickets and they close the tickets automatically. Who do I complain to for help? Am I doomed to be screwed by 'fintech'?