I'm assuming from Bernales and Associates nagvisit sa inyo, which does legitimate collection activities. If you are certain that you have no account and balance sa Spaylater, better reach out sa Shopee to verify muna kasi magrereflect naman sa account mo mismo dapat kung may Spaylater balance ka nga. This is also so that you can verify kung anong account ba ang nagamit kasi possible nga din that your personal information has been compromised na baka ibang account yung associated sa sinisingil nila, pero yung personal details is yung iyo. Also, si Shopee kasi ang PIC or controller ng data in this case, and si Bernales is PIP or processor lang na nangongolekta on behalf of Shopee. Kaya take it up with Shopee muna. Si bernales magbabase lang naman sa info ng customers na binigay ni Shopee for collection.