Cred — Using money after transaction failed and add daily Interest on loan amount

Address:

No 1198, 3rd Floor, Salarpuria Emporium, 1199, 100 Feet Rd, Indiranagar, Bengaluru 560038 India

I have made a payment of 55777 on cred application as per bank confirmation payment transfer successfully in cred they are using my money and also increasing my interest below is the details

Date of debit:[protected]
Amount debited: 55777
Reference ID:UPI/[protected]
Mode of Payment (UPI/ IMPS / NEFT / RTGS ) :UPI

and i received message from my bank on[protected]

Your transaction of Rs 55777 from ICICI Bank was successfully credited to the beneficiary CREDCLUB1 account XXXXXXXXXXX7853 on 22/11/2022 21:41:22 with RRN[protected]. In case the beneficiary has not received the amount, then please share the reference number with the beneficiary, to check with their bank

Beneficiary details :

Name : CREDCLUB1

Account No : XXXXXXXXXXX7853

IFSC Code : UTIB0000114

VPA : cred.[protected]@axisb