Actually this thing really happens, but i suggest that you let the maker/ drawer of the check complete the payee's name to avoid delays and then countersign,or if there is really no way to do it, since i believe this check is for deposit only to the account, if the receiving bank accepts the check subject for clearing, its now on the decision of other party if they will honor the check or not. Its better to inform the issuer of the check regarding the situation.