Big shots called Fudan today.

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The text has been successfully translated into English and is as follows:
This is the last post of my story. I have three credit cards and all of them are personalized installment payments. They are divided into 50 installments. Today, a local telephone number called me and said that they had received an order from the People's Hospital in some district to negotiate with me about a case of bad debt. They asked if I was willing to accept it or not. I told them what bank they were from. He said that they couldn't open up the letter? They had to agree to the negotiation, and I didn't understand much. Then I said that at least I should know which bank was negotiating on my behalf because I had personal installment payment on three cards. How can there be a case of bad debt then? The other party said that they would contact one of the parties involved in the mediation.
Guess: I have three credit cards, including one from China Construction Bank. Before, I late for one day, so my installment payment was canceled (I didn't know this until after). (I first thought it was a call from the debt collection agency, like the one that asks if I could pay.) I contacted the bank, but it was transferred to China Construction Bank and restored. So, is there any possibility that someone from China Construction Bank has contacted our local court to negotiate with me, small brother? Is it possible that this phone call is fake? Please give me a detailed analysis from experts!