Focal

Just to elaborate on this a little more. From the sound of things, someone may have used your checks or some form of identity theft. She sounds more legitimately pissed than trying to ruin your name for no reason, as most would be if they got scammed. I think it's a little passed the point now, but I think you should have gathered a few more details from her and expressed that you might have been a tool in someone elses sham.