Message left about a return item from my bank.  If I don't return their call back, they will proceed with extreme legal matters in my own state.

Easy solution - call your bank and ask them.  You can also check at:

http://www.wikihow.com/See-if-You-Are-on-Chexsystems-List

EDIT: Looks like scammers - it's a VoIP number - http://www.whitepages.com/phone/1-423-271-3567

1-423-271-3567
Level3 VoIP in Sweetwater, TN

I constantly get call from this number and ask then to send me proof....they never do...I just wonder how they got my number.

I received a voicemail stating I had a bad check and legal action would be taken. I called the number back a gentlemen statedI owe over 900.00 to CashNetUSA.  He said you are been recorded and we will take legal action. I informed him that I paid that loan and to do whatever he need to do. I never borrowed that amount. The amount he quoted was triple the amount of the loan. In 2010 Cashnet did withdraw money from my account twice. He stated the account was closed. I know something was wrong with this call because you can't withdraw money from a closed account. This loan was date 2010.

this is the third time in the span of a few months that I've received calls from this number and others like it all belonging to the same company. as with the others i have asked for information and validity of their claims. each time i am threatened with legal proceedings when all I'm asking for is a hard copy of what they claim i owe. does any body out there know if a company can sit on a "debt" for five years without reporting it to the credit bureau?