Mobikwik — Mobikwik zip scam

I was a user of mobikwik. I made a payment using a mobikwik wallet on swiggy but without showing the option of adding money in the wallet it took from zip automatically though the zip was not activated. This happened since since they linked wallet and zip together without customers consent. Then high activation, penalty and reactivation charges are asked in messages again and again though the account is deactivated. Its showing wrongly that I took 12000/- loan and affecting my cibil. Wallet linked to mobile no [protected]. This is happening with may other users.
Plz help.