I was the victim of a fraudulent check being written on my checking account.
As soon as I saw the $193.93 debit from my account, I called both Chase bank and Toys R' Us. Both companies gave me a fraud investigation number.
The bank proved conclusively that this was fraud and sent me an affidavit of fraud which I sent to Toys R' Us.
Even though Toys R' Us had this information and they had their own fraud investigation going on they turned my name and account number over to a Collections Agency that in turn sent me a letter demanding payment of the $193.93 plus a $25 check fee.