First call the court to confirm the authenticity of the subpoena. If it is indeed genuine, it means that the bank has sued you. At this time, you can negotiate with the bank to see if the lawsuit can be withdrawn. If the bank does not agree, then it will have no choice but to respond to the lawsuit. Collect your repayment records and telephone recordings of communication with the bank, etc., use these as evidence, and then go to the summons to notify the location and time to respond to the lawsuit.