I received a financial message saying that I owed more than 4000 yuan, but I didn't do anything, and his surname was different from mine. Is this fraud?

1, not necessarily a fraud, but a user before your mobile phone number, or an emergency contact casually filled in when the lender filled in the mobile phone number at that time;

2. Since it has nothing to do with you, ignore it and ignore it directly;

If the other party keeps calling you, you can choose to call the police and record it.