Which treatment is best fix my crepey skin under eyes? (Photos)

It appears that you would be candidate for transconjuctival blepharoplasty. Incision is placed inside of the eyelid and minimal skin excision may be needed in some cases. This can be safely combined with chemical peel (skin wrinkles) and fat and nano-fat grafts to improve overall appearance. In person consultation with a board certified plastic surgeon with expertise in facial rejuvenation 

Ideally, surgery would be your best option. It would allow for removal of the fact that is causing the bags as well as any excess skin. Short of that, any sort of resurfacing from chemical peels to lasers would help tighten your lower eyelid skin. In your case I would be very cautious with any sort of resurfacing due to your skin type and the risk of hyperpigmentation. A filler below the fat bag would help camouflage the fat bag.  Best of luck.