Just Chex? Trans Modus? Cell One Mysterious Check and Company that wants to Hide Spooner, Rice LakeSpooner, Rice Lake, Somewhere In Minnesota? Wisconsin

For some reason I decided to write a check for groceries last Sunday. I NEVER write checks. I always use my debit card or I have cash. The clerk gives me back my check with a little slip of paper and a number and says that the check wasn't accepted.

I stood with my mouth open in shock, and then I started to laugh. I used my debit card as I showed the clerk (who I sort of knew in my small town), my bank receipt which showed my $4,280+ deposit from that Thursday.

I then went to customer service and asked them what was up? They said that this company, "National Check Network" reported a check that was sent back from probably a long time ago. She said it's usually a mistake, that the check probably had already been paid for and that I would just need to call that number and talk to them.

So.......I call 866-587-8249 and get some place called "Transmodus"?? They said that there was an electronic transaction that hadn't cleared LAST December with Cellular One, and that I should just call them and they could send proof that it was paid.

I thought, cool, no problem, I have always had a good relationship with CellOne and never had any problems whatsoever. So I call CellOne and speak with their Financial services department and explain the situation expecting that I would get the situation solved and be off the phone shortly.......

I spoke with Laura?, (I believe was her name) in Financial services and told her I needed her to send proof of payment to National Check Network. She asked me to hold and I had a feeling there would be a problem.

After being on hold for approx. 5 min. she comes back and says she spoke with her supervisor and that I would need to get the information from my bank and send proof of payment to this National Check, Transmodal, but now she was calling this "Collection Ageny/Notification Agency" Just Chex. Ok, so now this place has one telephone number and 3 names! She said Just Chex is the agency they work with and "they" (Just Chex) would have more information.

So I said ok that would be fine, and I asked for the address and phone number so I could mail a letter and my bank statement to the agency. "Laura" became very quiet and I could hear papers shuffling, and then she said please hold. (She did not sound like a new employee who didn't know what they were doing) After several minutes she comes back and says, "I can't find the address, and I checked with my supervisor and she can't find anything either".........

It was like they were purposely hiding the information from me! I told her "you have got to be kidding, you do business all the time with these people, this is your main collection service, you are financial services, and you can't the address?!?!"

She just kind of sighed and said, "I know"..............I asked if there was a letterhead in the trash, there had to be something!!.......I could see this was going nowhere fast..........!

I am very frustrated. I did a search on the internet and found nothing really. I found a place in Woodbury, MN that might be this place but I'm not sure.

The problem is, I'm disabled.

I have MS and Lupus. I get tired very easily, and my thinking is not always clear and is very slow sometimes and I'm often in pain.

I want to get this check off my record but I can't believe the amount of energy it takes to get it done to do that!

If anyone could offer some advice I certainly could use some!!

(Please, no lectures about overdrawn checks, that's water over the bridge!!!!)

Feeling stupid in wi
Spooner, Wisconsin
U.S.A.