No online loan but received a notice of reduction.

You can ignore this message. Because the short message is sent by the system, there may be errors. Users can't confirm whether they have applied for a text message, can't check whether the loan app has outstanding debts, can't confirm that there is no debt, and can delete the text message directly. Just because the user has received the notice of reduction and exemption does not mean that the user must pay it back. The notice of reduction and exemption was sent incorrectly, and the user does not need to repay. If there is no online loan, you should explain the situation to the institution after receiving the notice of reduction and exemption.