Verified: 9 July 2026 04:30 am IST
Industry: Digital Payments & Fintech (UPI/Credit Facilitation)
Jurisdiction: India
Primary Regulator: Reserve Bank of India (RBI) / National Payments Corporation of India (NPCI)
Important Safety Warning: Beware of the “Fake Support & Screen Share Scam.” Scammers frequently buy ads on Google displaying fake CRED customer service helplines. This is a scam. CRED staff will never ask you to pay a “processing fee” to unlock your account, share your UPI PIN, request an OTP, or ask you to download third-party screen-sharing apps (like AnyDesk/RustDesk) to troubleshoot a delayed credit card bill payment.
Level 1: Customer Support (Initial Complaint)
How to complain: Register your complaint (failed UPI transfers, delayed credit card bill settlements, CRED coin discrepancies, or loan queries) directly by calling the official CRED central support number at 080-62209150. You can also log the complaint directly via the CRED App (Profile > Support) or email support@cred.club. You must insist on receiving a unique “Ticket Number” - without this number, your complaint does not legally exist in the regulatory system.
Availability: The automated app portals operate 24x7.
Timeline: CRED must acknowledge your complaint immediately. The internal goal is to resolve standard UPI or bill payment failures within 2 to 3 business days, though the absolute regulatory maximum before external escalation is 30 days.
Level 2: Internal Escalation (Grievance Officer)
Who to contact: If Level 1 support fails, your credit card bill remains uncredited causing late fees, or your account is unjustly blocked, you must formally escalate to the Grievance Officer. You must email your formal grievance, clearly stating your original Level 1 Ticket Number, to grievanceofficer@cred.club. Written legal notices must be sent via physical post to their registered corporate headquarters (Dreamplug Technologies Private Limited, No. 769 and 770, 100 Feet Road, 12th Main, HAL 2nd Stage, Indiranagar, Bengaluru, Karnataka – 560038).
Timeline: The Grievance Officer must dispose of the escalated complaint and provide a reasoned resolution. The total time from your initial Level 1 complaint to the final Grievance Officer decision must not exceed 30 days.
Level 3: Administrative Mediation (RBI Ombudsman & NPCI)
Authority: If CRED’s Grievance Officer rejects your claim, or 30 days have passed since your initial Level 1 complaint without a resolution, you have exhausted internal remedies. Your next step depends on the transaction type. For UPI-specific transaction failures, you should raise a dispute via the NPCI portal. For loan disputes (CRED Cash), account blocking, or systemic failures, you must approach the Reserve Bank of India (RBI) Integrated Ombudsman Scheme.
Portal/Contact: Register UPI disputes at https://www.npci.org.in/upi-complaint. File general fintech/lending complaints with the RBI online at cms.rbi.org.in or by calling the toll-free number 14448. For critical security issues like cyber fraud or scams, you must immediately report it via the National Cyber Crime Reporting Portal at cybercrime.gov.in or call 1930.
Level 4: Legal Action (Final Step)
Pre-Litigation: If administrative mediation fails, or the company refuses to comply with a demand for compensation regarding severe financial loss (like massive late fees caused by their payment failure), you have exhausted all administrative avenues. You must now prepare for formal litigation under the Consumer Protection Act, 2019.
Court/Arbitration: You must file a formal complaint with the appropriate Consumer Disputes Redressal Commission against Dreamplug Technologies Private Limited. You can file your case entirely online using the government’s unified e-Jagriti portal (e-jagriti.gov.in). You can also use the National Consumer Helpline (NCH) at 1915 for pre-litigation counseling.
Timeline: You must file the consumer case within two years from the date the cause of action occurred.
Community Action: Is CRED refusing to compensate you for late fees caused by their platform failure, or are you looking for the correct template to formally escalate an account block to the Bengaluru Grievance Officer? Reply below (do not share your passwords, bank details, or your exact phone numbers), and our community will point you to the right resources!