Send me a message with someone else's letter.

I personally suggest downloading that app just to be on the safe side.

Then change the password, because you have the mobile phone number, you can change the password with the verification code of the mobile phone.

Then log in and see if there is a loan. If there is a loan, try to cancel or return it.

Then, be sure to take good care of your account password.

If you log in, it shows that the user does not exist, or you have not borrowed money, then the message he sent is a fraud message.