In fact, the so-called loan fraud usually only happens when the bank finds out that you deliberately don't pay back the money. After many communication, if the parties still don't repay the loan, the bank may start the corresponding procedures and finally appeal to the parties. The appeal is the crime of loan fraud, but if the loan is made online, then there is no right to file such a lawsuit. So generally speaking, if you receive a report from a relevant company that you are suspected of loan fraud because you have not repaid the loan on time, then the news is generally false, and the loan company deliberately says so to urge you to repay the loan.