How can Ping An Consumer Finance send overdue text messages for no reason?

The reason for this situation is that the user failed to repay the loan on time, and received a collection message disguised as Ping An Consumer Finance due to system error.

1. The user received a reminder message from Ping An Consumer Finance, indicating that the user failed to repay on time or failed to reach the repayment amount agreed in the contract.

2. The user is convinced that there is no overdue repayment because of system error or misjudgment, which is caused by system failure or data processing error.

3. Users' doubts about the authenticity of short messages are a common fraudulent way to receive short messages disguised as Ping An consumer finance.