The bank's arrears notice text message, but did not say which bank said to summon me within 48 hours.

Are you asking, "Is it true that the bank didn't write a short message about the bank's arrears and said that I would be summoned within 48 hours?" If you don't owe money, it may be a scam message.

Received a short message about online loan collection. If you don't borrow money from the platform or the bank, it's probably a scam message.

If there is a loan, it is recommended to see if the loan platform is overdue. If it is overdue, it is recommended to repay as soon as possible.