Thinking

Chapter 5: The Name in the Bank Records

My father barely slept that night.

At three in the morning, I woke to the sound of his voice coming through the adjoining door.

"No, I didn't authorize that transfer," he said.

"I want the account frozen until we understand what happened.""

A pause.

"Yes, I understand the implications.""

Another pause.

"Then send me every transaction associated with that recipient.""

I sat up in bed.

The hotel room was dark except for the blue glow of my phone. Through the gap beneath the adjoining door, I could see light from Dad's room spilling across the carpet.

When he finished the call, I knocked.

He opened the door wearing the same clothes he'd worn the previous day.

"Couldn't sleep?"" he asked.

I shook my head.

"Neither could you.""

He gave me a tired smile.

"Apparently not.""

I sat in the chair beside his bed.

"Who is Ethan Cole?""

Dad rubbed his face.

"He and Vanessa dated before she met me. I knew about him when we got married. She told me they'd ended things years earlier.""

"Have you ever met him?""

"Once. Briefly. At a charity event.""

"What was he like?""

Dad considered the question.

"Charming. The kind of man who can make you feel as if you've known him for years after five minutes of conversation.""

"Do you think they're still together?""

"I don't know.""

He turned his laptop toward me.

The bank had sent a preliminary transaction history. Several transfers had been made over the previous four months, each for a different amount.

Five thousand dollars.

Eight thousand.

Twelve thousand.

The latest transfer was twenty-three thousand dollars.

Together, they totaled forty-eight thousand.

I stared at the dates.

"These started before the vacation was planned.""

Dad nodded.

"Some of them did.""

"So this wasn't about Florida.""

"No. The vacation was just the first thing that made me look closely.""

He scrolled down.

The recipient account belonged to a small consulting company registered under Ethan's name.

Dad opened a search engine and typed the company's name.

A website appeared, promising investors exceptional returns on residential development projects.

There were photographs of luxury homes, waterfront properties, and smiling business executives standing in front of architectural renderings.

"Is this a real company?"" I asked.

"It exists," Dad said.

"That doesn't mean it's legitimate.""

He clicked through the website.

Several projects were described as being under development, but there were no addresses, no named construction partners, and no verifiable completion dates.

Dad leaned back.

"These pictures look familiar.""

"Why?""

"Because I've seen some of these designs before. They're from public architectural portfolios. At least two of them aren't even in the same state as the projects listed.""

I felt a chill.

"Do you think Ethan is scamming people?""

"I think we need evidence before we make accusations.""

He closed the website.

"And I think Vanessa has some explaining to do.""

My phone buzzed.

A message from Vanessa.

Your father is making a terrible mistake. Please tell him I need to speak with him.

I showed Dad.

He shook his head.

"Don't respond.""

Another message appeared.

I know you think I hate you, Maya, but everything I did was for the family.

I stared at the words.

For years, Vanessa had made me feel selfish for asking for anything.

Now she wanted me to believe that taking money, forging a signature, and excluding me from a vacation had all been acts of love.

I typed a reply.

If it was for the family, why did you lie to Dad?

I pressed send before I could change my mind.

The response arrived almost immediately.

You wouldn't understand.

I stared at the screen.

Then I typed three words.

Try explaining it.

This time, she didn't answer.

At eight o'clock, Dad called his attorney, a woman named Patricia Reynolds who had helped him with business contracts for years. He explained what had happened and sent her copies of the loan documents and bank records.

Patricia told him not to confront Vanessa about the financial transfers until they had secured the relevant records.

"Andre," she said through the speakerphone, "if someone forged your signature, we need to preserve the original documents. Don't sign anything she gives you, and don't let anyone persuade you to make an informal agreement about the money.""

Dad looked at me.

"Understood.""

"And don't assume this is simply a marital disagreement. There may be serious legal issues here.""

After the call, Dad booked another night at the hotel.

He also called the resort and confirmed that our original reservation could be restored without losing the deposit.

"We're going to Florida," he told Devin over breakfast.

"All three of us.""

Devin smiled, but his excitement faded quickly.

"Can Mom come too?""

Dad set down his fork.

"Not this time, buddy.""

Devin looked at his plate.

"She'll be lonely.""

"I know.""

"Can I call her?""

Dad hesitated.

"Of course. You can talk to your mother whenever you want, as long as the conversation is safe and comfortable for you.""

Devin nodded.

He called Vanessa from the hotel room while I waited outside with Dad.

I could hear her voice through the partially open door.

"Oh, sweetheart, I've missed you so much.""

Devin said something quietly.

Then Vanessa replied, "Your father has taken you away because Maya has been telling lies.""

Dad closed his eyes.

I felt my stomach twist.

"No, Mom," Devin said.

"Maya showed Dad the tickets.""

Silence.

Then Vanessa's voice sharpened.

"She's manipulating you, too.""

Devin didn't answer.

A few seconds later, he came out of the room with tears on his cheeks.

"She said I'm not allowed to tell Dad what we talk about.""

Dad knelt in front of him.

"Buddy, you never have to keep secrets from me if something makes you uncomfortable.""

"But she's my mom.""

"And you love her. That's okay. Loving someone doesn't mean you have to agree with everything they do.""

Devin wiped his face.

"Can we still go swimming?""

Dad smiled gently.

"Absolutely.""

We left for Florida the following morning.

The airport was crowded, and the smell of coffee and warm pastries drifted through the terminal. Dad handled the luggage while I helped Devin navigate the security line.

For the first time in days, I felt something approaching normal.

We boarded the plane together.

Dad took the aisle seat, Devin sat by the window, and I settled into the middle seat. When the plane began moving toward the runway, Devin grabbed my hand.

"Have you ever flown without Mom?"" he asked.

"Yes.""

"Was it scary?""

"A little.""

"Are you scared now?""

I looked at Dad.

He was watching us with a quiet, protective expression.

"No," I told Devin.

"Not anymore.""

The resort was beautiful.

Palm trees lined the entrance, and sunlight shimmered across the swimming pools. Our room overlooked the ocean, just as I had imagined when I bought my blue swimsuit.

Dad insisted that we order room service the first evening.

"Whatever you want," he said, handing us the menu.

Devin chose a cheeseburger and fries.

I ordered shrimp pasta.

Dad ordered steak and a bottle of sparkling water.

We ate on the balcony while the sky turned pink over the water.

For an hour, nobody mentioned Vanessa.

Then Dad's phone rang.

Patricia's name appeared on the screen.

He answered.

"Tell me what you've found.""

I watched his expression change as he listened.

First, confusion.

Then disbelief.

Finally, a kind of cold anger that made me put down my fork.

"What do you mean, the signature matches another document?"" he asked.

A pause.

"No, that isn't possible.""

Another pause.

"Send it to me immediately.""

He ended the call and stared at the ocean.

"What happened?"" I asked.

He turned toward me.

"Patricia obtained a copy of the original loan application. The signature on the authorization appears to have been copied from an older document.""

"How can she tell?""

"Because the handwriting matches a contract I signed years ago, but the signature placement and formatting are inconsistent with the original.""

"So someone copied it?""

"That's what the attorney suspects. She wants a document examiner to review it.""

I swallowed.

"What about the money?""

Dad opened his email.

"Patricia also found something in the banking records.""

He turned his laptop toward me.

The forty-eight thousand dollars had not been transferred directly into Ethan's consulting company.

Some of it had gone through another account.

An account registered to a woman named Melissa Grant.

I frowned.

"Who is she?""

Dad shook his head.

"I don't know.""

He clicked on an attached statement.

The most recent transaction was dated the previous week.

Twenty-three thousand dollars had been sent to Melissa's account, then transferred out less than an hour later.

The recipient was a law firm.

Dad opened the payment details.

The law firm's name meant nothing to me.

But the reference line did.

*Private settlement — E. Cole.*

Dad read it twice.

"Vanessa paid someone to settle a legal matter involving Ethan.""

"How much?""

He checked the attached statement.

"Thirty thousand dollars.""

I stared at the screen.

"That means she gave him more money than we knew about.""

"Yes.""

"Maybe she's helping him hide something.""

Dad closed the laptop.

"That's possible.""

He stood and walked to the balcony railing.

For several minutes, he watched the waves breaking against the shore.

Then he turned back.

"Maya, I need you to understand something. Whatever Vanessa has done, it isn't your responsibility to fix it. You don't have to protect her, and you don't have to make her feel better.""

I nodded, but a question had been growing inside me.

"Why would she risk everything for Ethan?""

Dad looked toward the darkening horizon.

"I don't know.""

His phone buzzed again.

A new email had arrived from Patricia.

The subject line read:

*URGENT: Documents recovered from shared account.*

Dad opened it.

The attachment contained a scanned document bearing Vanessa's signature.

At the top was the name of a bank.

Below it was an account number I recognized from the family vacation fund.

But the document wasn't a withdrawal authorization.

It was a beneficiary designation.

Dad read the first paragraph, then stopped breathing for a moment.

"What is it?"" I asked.

He turned the screen toward me.

Vanessa had named Ethan Cole as the beneficiary of a financial account worth nearly half a million dollars.

May you like

And the account wasn't hers.

It belonged to my father.

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