Consumer finance texted me that it was a malicious overdraft loan.

Legal analysis: If you don't have a loan, I suggest you don't believe it easily.

Legal basis: Interim Measures for the Administration of Personal Loans Article 43 Personal loans issued with certificates of deposit, government bonds or other financial products recognized by China Banking Regulatory Commission as collateral, as well as personal loans issued by consumer finance companies, auto finance companies and other non-bank financial institutions, can be implemented with reference to these measures.