Mobikwik — Repayment penalty waived off disturbance and cibil score affected

I had a purchase with ajio with mobikwik wallet and there was an issue withg item recieved and the item was returned and the refund was initiated within a day itself and reflected to the mobikwik wallet and after few days mobikwik wallet emerges with pay the due which is out of no where, i dont have anything to pay and a customer care executive put penalty and you people hell not responding to the customer sevice calls and finind penalty. which is very bad service from the mobikwik department and an executive irresponsible called rekha said she doesnt know what to do and made me pay the amount and then said you can send to your bank and i did as your executive said and she will resolve and waive off the penalty and but nothing happend and the problem is if this issue have badly effected my cibl scorfe because of you people mobikwik i will file a case against you in the court.. if my cibl score is not back to normal you people are responsible due to this much of drama fro your part... customer jasar [protected]