What should I do if I receive a dunning message and have no loan?

Why did I receive a message from loans overdue without a loan? What should I do?

If you receive a text message without a loan, the first thing to do is to identify the authenticity of the text message. Secondly, users should think about whether they have borrowed it for a long time and forgotten it. If not, it is most likely the following three situations:

1, loan fraud: Many fraud gangs will use the borrower's information to send loans overdue's short message, which will contain the phone number and contact information; If the user does not have a loan, don't call or click on the link to avoid being cheated;

2. Change the mobile phone number: the mobile phone number used by the user was used by the previous lender, but the mobile phone number was not changed in time after the change, and the lender will still send a loan message to this number;

3. Verify the information: If the user's name is mentioned in the short message, the user can check where the loan is made through the personal credit report, or check the bank flow if there is no credit report. If not, don't worry;

What should I do if I receive a repayment message without applying for a loan in China Bank?

What should I do if I don't apply for a loan from China Bank, but I receive a repayment message?

Bank of China sends a repayment reminder message according to the contact information (mobile phone number) reserved by the borrower when handling the loan business. If you confirm that you have not applied for a loan in BOC or the * * sub-branch mentioned in the SMS, please call the customer service hotline of BOC at 95568, and BOC will solve the problem of incorrect SMS as soon as possible.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

What should I do if I receive a dunning message and I don't borrow money?

It is possible that the information was stolen. After it is clear that you have no loan, but you do owe a certain amount of loan, you need to call the police to solve the debt dispute.

When registering on some small websites or unknown websites, don't fill in real personal information carefully. Some small websites are vulnerable to hackers because of weak security measures, which leads to the disclosure of registered user information. At the same time, the staff management system of these small websites is not perfect, which may lead to the staff leaking user information to criminals.

You have a loan in other places, and the third party collects short messages from other channels under the guise of contacting you. Some friends have received similar information for this reason before.

This situation is either a scam message. Otherwise, someone will use your name to make online loans. If you don't feel at ease, call the police and let the police check for you.

Regularly kill Trojans on mobile phones and computers. Mobile phones and computers may be infected with Trojans during use, and these Trojans will send the information in the mobile phone or computer to the location designated by the writer. Therefore, we need to regularly use security tools to kill viruses on mobile phones and computers in parallel.

At the same time, we should develop good online habits: do not install software of unknown origin, do not open dangerous links, and do not browse illegal websites.

No loan, but the text message is overdue? It's better to handle it this way.

Nowadays, with the continuous development of internet finance, borrowing money online has become a normal state. If the borrower does not repay the loan, the lending platform will send a text message to inform the overdue repayment. But there are also many people who have no loans, but the text messages are overdue. Don't panic in this situation, calm down and see how to deal with it.

No loan, but the text message is overdue?

In most cases, whoever owes money will send overdue text messages for collection, but it is also possible to receive text messages that do not repay the loan. In this case, we should first carefully identify the authenticity of the short message, and then check the loan record on the credit information.

1. Now telecom fraud is more serious. Many scammers send short messages under the guise of the platform, leaving contact information in the short messages, in order to scare the recipients, take the initiative to contact them, and let their fraudulent means be implemented. So, if you don't have a loan, don't call. If you really owe money, the other party will definitely take the initiative to call.

2. Usually, credit card overdue text messages will write the overdue person's name. If the name is not your own, it may be that the previous owner changed the number after the deadline and did not change the number of the loan platform. The platform still sends a text message to this number as usual, so it is not surprising that the person who took over this number did not receive the text message within the time limit; If the message has no name, please ignore it.

3. If the name mentioned in the short message happens to be your own, in this case, it is best to check the credit information in the central bank's credit information system, with the focus on whether the loan record on the credit information has the record of this institution. If not, don't worry about it. If there is a record, but it is not your own loan, it may be a fake loan. You can file an objection application and ask the institution to cancel the overdue record.

The above is the introduction of "no loan but overdue receipt of SMS", I hope it will help everyone.