I don't participate in the phone call program anyway.
It's not necessarily illegal, but there is no way to tell for sure without examining all of the documents from the file, which we can't do on here.
The reason it may not be against the rules is because a judge in a case can allow the plaintiff to use "substitute service" to serve someone who isn't able to be found after a "diligent search". Substituted service is usually something like publishing in the newspaper and posting notice in the courthouse. If that is what happened then there should be a record someplace indicating they tried to serve you, couldn't, and then filed a motion asking to serve you in some other fashion than handing it to you.
There is really only one way to correct the issue since so much time has passed and that is to file a Motion to Vacate Judgment. A judgment is the document which they would rely on in asking to put a hold on your bank account.
While you are allowed to file this motion and pursue this matter yourself, the judge is almost certainly going to require a legal brief on the issue and will require you to appear for at least one hearing. The briefs in this type of case, as well as the motion, are more than just forms because the facts vary on every case so I'd suggest you consider retaining an attorney where the case was originally filed against you and allowing them to file everything. They may even be able to get the judge to let you appear by telephone or video (ex. Skype) rather than being there in person.
In addition, the attorney is likely to spot more legal or procedural issues than you would yourself if you do not have any legal training.