Require the other party to show their ID and then negotiate for repayment.

Collections are generally not made by bank employees, but by third-party collection companies entrusted by banks, or even employees of collection companies who come to your door privately, because they all rely on performance to make a living.

After the bank fails to collect the debt on its own, it will entrust the overdue case to a qualified debt collection company. Such companies are not found in every city. In areas that cannot be covered, most of them will have cooperative companies or other companies. Individuals to improve their collection process, that is, they will entrust companies or individuals in your local city to come to your door.