Pat the loan and send a text message to your wife. You said I owed money for collection, and I didn't borrow anything.

You can ignore the message directly, because the message is sent by the system, so there may be errors. Moreover, users can't confirm whether they have applied for SMS, so it's best to check whether the loan app has outstanding debts and confirm that there is no debt, so you can delete SMS directly. Just because a user receives a dunning message does not mean that the user must repay. The short message was sent incorrectly, and the user does not need to repay. As long as you don't have online loans, you must explain the situation to the collection agency after receiving the call, so that they can stop harassing themselves, otherwise they will report to the relevant departments, and their attitude must be firm.