If you refuse, please reply to R's collection. Is it true?/You don't say.

This kind of short message is not true.

Short messages with the words "unsubscribe", especially those that prompt "Please reply to R if you refuse", are usually not real collection messages. Real collection messages usually do not include unsubscribe options, because the purpose of these messages is to understand the debtor's attitude towards collection. If the debtor replies to such short messages, the collection staff may take tougher measures.

The numbers that send such messages, such as 1068 and 1069, are usually third-party platforms, not the official numbers of lending institutions, so they lack authority. It is suggested to be wary of such short messages and communicate with lending institutions through official channels.