1. reconfirm whether there is a loan: carefully check your loan application record and communication record with jingdong finance. Make sure you don't miss any important information.

2. Contact Jingdong Financial Customer Service through official channels: log in to Jingdong Financial official website or Application to find the official customer service contact information (such as telephone, online chat or email). Get in touch with them through official channels, explain your situation to them and seek solutions.

3. Submit a complaint: If the customer service still doesn't reply or can't solve your problem, you can consider submitting a complaint to Jingdong Finance. They will have corresponding complaint channels, through which you can express your dissatisfaction and ask for a solution.