Complaint Review: CHECKredi Kentucky LLC

We admittedly made a mistake in balancing our checking account and had a check returned NSF to a school. Checkredi was the agency used by school To collect on their returned check. Checkredi continually left me message stating, that I MUST respond to their call before 5 pm today and that they have my SSN. I returned their call after time, because I didn't know why they were calling me. Checkredi didn't express the company's name or who was calling or the matter of the call. Then, I spoke to someone named Grace, he stated that I had a 35.00 check that was returned. So, my balance now on a 35.00 check was 77.00. So, I told them that I would pay it on my next payday. Then Checkredi stated, that my payment would be taken out on that day. My computer was down for about one week and I worked 12.25 hours a day,so I had no computer to check if they took out the funds. So, when they tried to receive their money four days after the setup payment dated there were no funds in my account. Then when Checkredi didnt receive their money they continued to call me again. I called them back to try to resolve this matter with Victoria. Victoria was so unprofessional and rude As a supervisor. She stated, she was finished with me and all she is doing is talking in circle with myself and she hung up the phone. So, I emailed Nikki Bartlett she emailed me back stating to speak to Mr. J.Jones at a certain number. I explained to Mr. Jones the situation about how it took 4 days for his business to withdraw the funds,but he had NO concern of the problem. Mr Jones then stated,that I now have a 120.00 balance from that 35.00 check. So, I set up a another payment date with Mr. Jones to just pay the 35.00 return check, because it was Checkredi problem. Then I spoke to a Mrs.C.Turner she didn't really care about anything I had to say. Speaking to her was just a wasted of my breath, because after I stated my case she stated I need to pay that 127.00. Whoever took the funds out of my account took 42.00,50.00, and 35.00 grand total of 127.00 without my permission On the exact day of the schedule payment? Luckily the bank gave back my 42.00,50.00. Isn't that stealing funds from our account? Now, Checkredi send me a copy envelope of some lawyer's office. Also, the letter from the Lawyer's Office has some odd comments. So, I can't tell if it really or fake? How many illegal actions did Checkredi against myself? Can someone help me out With some information? One simple mistake and Checkredi treats you like a criminal. I'm just trying to do what is right. Input welcome please. Thank you Ripoff Report.