I owed JD.COM an iou and got a message. Is it true?/You don't say.

It doesn't seem true to look at the screenshot of the short message, but the specific situation still depends on the owner's own JD.COM account to log in to Jingdong Financial APP, so that you can check whether there is a white bill dispute or directly contact the customer service on Jingdong Financial APP. This kind of SMS fraud is more likely.