Legal analysis: if a certain amount of money is not returned, the bank can sue, and at this time, it should actively refund the money and cooperate with the public security organs. But it may also be a fraudulent phone call. Call the police immediately.

Legal basis: Article 3 of the Civil Procedure Law of People's Republic of China (PRC). The provisions of this Law shall apply to the people's courts in accepting civil lawsuits brought by citizens, legal persons, other organizations and their property relations and personal relations.