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I'm pretty sure they don't. Their professional commitments and personal lives keep them occupied. Fanfiction is probably not something they have the chance to engage with.
Jungkook might be initially shocked and scared. He's the youngest but also very responsible. So, he'd probably be the first to try to find a way to make sure the fan is okay and figure out how to let them go without getting into too much trouble. V, on the other hand, might be more curious about the fan. He could try to talk to the fan and understand why they were in the situation they are in. Jimin would be worried about the consequences for BTS as a whole, but also show a lot of empathy towards the fan.
Jungkook might immediately rush to Suga's side, being the youngest and often very concerned about his hyungs. He would probably look really worried and call for help right away.
Well, RM is very intelligent and a natural leader. In a Harry Potter fanfic, he could be like a young Dumbledore, guiding the other members through the magical challenges at Hogwarts. Jin is known for his good looks and kind heart, so he might be a popular Hufflepuff student. Suga, with his cool and sometimes mysterious demeanor, could be a Slytherin who uses his wits to get out of tricky situations. J - Hope is full of energy and positive vibes, so he could be a Gryffindor, always ready to take on adventures bravely. Jimin is sensitive and caring, perhaps a Ravenclaw who uses his intuition to understand complex magic. V has a unique and creative personality, which could make him a student who discovers new and unorthodox forms of magic. And Jungkook, being athletic and competitive, might be a star in Quidditch - related parts of the fanfic.
Jin might be really surprised at first. He'd probably read it with wide eyes, and then start laughing at some of the funny parts. He could also be a bit embarrassed by some overly affectionate descriptions in the fanfiction, but overall, he'd likely be touched that fans put so much effort into creating these stories.
A fanfic could revolve around a concert situation where some of the BTS members get stomach flu right before a big show. It could show how they struggle with the illness but still try to put on a great performance for their fans. Maybe RM has to step up and adjust the choreography on the spot to accommodate the sick members.
Rumors about BTS members' love stories are not uncommon. One rumor was about Jin having a secret relationship. However, BTS's management has always been very protective of their privacy. And the members themselves are more interested in their art and connecting with their fans. So, these rumors are mostly just noise in the media and among some over - enthusiastic fans.