Cred — Payment lies

Dear Cred,

As per our last discussion, you were supposed to either clear my overdue amount of my HDFC credit card payment of Rs.54, 459/- or to make refund of Rs.54, 495/- + overdue charge in my source payment account within 48hrs.
but neither you have settled my failed transaction nor you have make any refund. I have cross checked with my credit card bank official and they clearly said they have not received any payment of Rs.54, 459/- till now.
Also in your cred app you are showing payment of card xxxx5596 fully paid.But you have not made any such payment to HDFC bank.
It's a clear case of fraud and I will file an FIR againts you if you don't short my misaap within 48hrs.

Regards
Dharmveer Dhiri
card - xxxx5596
reg mob no - [protected]
email - [protected]@gmail.com