Spice Jet Airlines — I am complaining about the flight of Spicejet from Patna to Jaipur scheduled on 1 July 2020

I booked a Spicejet flight from Patna to Jaipur for 1 July 2020. Along with me one more passanger is travelling. When I booked the flight had a layover in Varanasi. Few hours before they texted that, the flight in rescheduled and now it will travel via Mumbai. In Mumbai the flight service has given a layover of 13 hours. When I talked with the customer support no, they denied to provide accommodation to us.
Where will we stay for 13 hours? If they have rescheduled, they must take the responsibility, but they are denying.
When I asked for the refund they said they will not credit the money in our account. They will keep as credit balance and allow us to use it in future.
They are informing all this a day before. As per mine it looks fraud.
As a customer, I want accommodation there for stay as it is not my fault. At this time of crisis, where will I go for the stay. Take concern and redress it soon. Will be grateful to you.

Thanking you
Vineet Kumar Sinha