Chapter 8: The Account in My Name
For a moment, I thought I had misheard the recording.
“The account belongs to me?”” I repeated.
Daniel's voice was tense.
“That's what Peter claims. I don't know whether he's referring to an account you opened, an account created using your identity, or something else entirely.””
“I never opened a second investment account.””
“Then we need to find out who did.””
I looked at Rachel.
She was staring at the recorder as though it might suddenly speak again.
“Daniel, can you check the account records?””
“I've already started. Send me photographs of every document you found, but don't upload the original recordings to any public service. Preserve the files exactly as they are.””
After ending the call, I photographed the bank statements and legal documents. Rachel carefully packed everything into the black case.
We were about to leave when Curtis, the storage manager, approached us.
“Mr. Carter?””
I turned.
“Yes?””
He held a small envelope.
“This was left with me several months ago. The person who rented the unit said I should give it to Emily Carter's husband if he ever came looking for locker 214.””
I took the envelope.
There was no return address.
Inside was a photocopy of a bank document showing an account opened in my name four years earlier, almost a year before Emily died.
The account had received multiple transfers from Emily's investment fund.
The total exceeded three hundred thousand dollars.
At the bottom was a signature that looked almost exactly like mine.
Rachel leaned over my shoulder.
“Michael, did you know about this?””
“No.””
I examined the signature carefully.
I signed contracts and business documents every week. I knew the shape of my handwriting, the way my capital M rose sharply before descending, the slight curve at the end of my surname.
The signature on the document was convincing.
But it wasn't mine.
Someone had copied it.
And someone had used my identity to move Emily's money.
My phone rang again.
This time, it was Vanessa.
I almost ignored the call.
Then I remembered what she had said the previous night.
I needed you to send Lily away before someone found out what she saw.
I answered.
“Where are you?””
“At home,” Vanessa replied. Her voice was strangely calm.
“Where are you, Michael?””
“Why?””
“Because I want to talk. Alone.””
“I'm not coming home.””
She sighed.
“You can't keep running away from this.””
“I'm not running away. I'm finding out what happened.””
“You have no idea what you're doing.””
“Then explain the account in my name.””
Silence.
I gripped the phone harder.
“Vanessa?””
“Where did you get that information?””
“So it exists.””
She breathed in sharply.
“Michael, please. You have to understand that Emily was making terrible financial decisions. I was trying to protect the family.””
“By forging my signature?””
“I never forged anything!””
“Then tell me who opened the account.””
She didn't answer.
I continued.
“Who transferred the money? Why was Peter Lawson in Emily's hospital room? And why did you put seven hundred dollars in Lily's backpack?””
Vanessa's breathing became ragged.
“Because I was desperate!””
The words burst out of her before she could stop herself.
I went completely still.
“Desperate for what?””
She began crying.
“You don't understand what I was dealing with. Emily was going to ruin everything. She wanted to report the transfers, and she didn't care what happened to you.””
“Emily was trying to protect Lily's money.””
“She was going to destroy our future!””
“Our future?”” I repeated.
“You weren't even married to me when the transfers began.””
Vanessa fell silent.
I had found the contradiction.
She had been stealing or concealing money before our wedding, before she became Lily's stepmother, and before she had any legitimate reason to manage our household finances.
“Who helped you?”” I asked.
“No one.””
“Peter says the account belongs to me, but someone else was controlling it.””
“He doesn't know anything.””
“Then why are you afraid of him?””
Vanessa's voice dropped to a whisper.
“Because Peter knows what happened after Emily confronted me.””
My heart hammered against my ribs.
“What happened?””
She made a small, broken sound.
“I didn't mean for things to go that far.””
“Vanessa, what does that mean?””
“I was trying to make her understand. I only wanted her to stop threatening me.””
“Threatening you with the truth?””
“Michael, please—”
The call ended.
I stared at my phone.
Rachel's face had gone white.
“She practically admitted it,” she whispered.
“She admitted she was involved in something. We still don't know exactly what happened.””
I wanted to believe that caution would protect us from making a terrible mistake. But every new document pointed toward the same conclusion: Vanessa had been hiding something about Emily's money, and the secrecy had begun before Emily died.
We drove back to the hotel.
Lily was sitting in the lobby with a coloring book, drawing a picture of three people holding hands beneath a bright yellow sun.
When she saw me, she ran across the room.
“Daddy!””
I caught her in my arms.
“Hey, sweetheart.””
She pulled back and studied my face.
“Did you find out what happened to Grandma?””
I brushed a strand of hair from her forehead.
“I'm still finding out.””
She looked disappointed, but she nodded.
Then she reached into her backpack.
“I found something last night. I was scared to show you because Mommy Vanessa told me not to tell anyone.””
My entire body stiffened.
“What did you find?””
Lily handed me a folded sheet of paper.
It was a child's drawing, made in blue and purple crayon.
At first, I saw only a house, a car, and several stick figures.
Then I noticed the date written in the corner.
October 16.
The day Emily died.
“Did you draw this, sweetheart?””
She nodded.
“I drew it after we visited Grandma at the hospital. I remember the man because he had a shiny watch.””
She pointed toward one of the figures.
“He was standing outside Grandma's room. Mommy Vanessa told me he was a doctor, but he didn't have a doctor's coat.””
I studied the drawing.
Near the bottom, Lily had drawn a small bottle beside Vanessa's figure.
I looked at my daughter.
“Why did you draw the bottle?””
“Because Mommy was holding it.””
My throat tightened.
“Did you see her use it?””
Lily shook her head.
“No. But I heard her and the man arguing. He said she had to put it back before someone noticed.””
Rachel covered her mouth.
I knelt in front of Lily.
“Did you tell anyone about this before?””
She nodded slowly.
“Grandma.””
The room seemed to stop moving.
“What did you tell Grandma?””
Lily's eyes filled with tears.
“I told her Mommy Vanessa had been taking things from her bag. Grandma said I should always tell the truth, even if grown-ups got mad.””
I held her hand.
“What happened next?””
“She told me to go find Aunt Rachel. Then Mommy Vanessa came out of the room and told me Grandma was too sick to talk anymore.””
Lily lowered her head.
“When I went back, Grandma's eyes were closed.””
I pulled my daughter into my arms.
I couldn't ask her to relive any more of that day. She was eight years old, and she had carried a frightening memory for three years because an adult had told her to stay quiet.
I looked at Rachel.
“We need to protect her.””
Rachel nodded.
Then my phone buzzed.
A new message from Daniel appeared.
*The account opened in your name was accessed yesterday. Someone attempted to withdraw the remaining balance. The bank has temporarily frozen the account.*
A second message followed.
*The withdrawal request was submitted using a power of attorney bearing your signature.*
I stared at the screen.
Someone was still trying to move money out of an account I had never knowingly opened.
Then Daniel called.
“Michael, there's another problem.””
“What now?””
“The power of attorney was notarized six months ago.””
I frowned.
“That was after Vanessa and I married.””
“Yes.””
“Who witnessed it?””
Daniel took a breath.
“The notary's records identify the witness as Rachel Carter.””
I slowly turned toward my sister.
May you like
She stared at the floor.
And before I could speak, she whispered, “Michael, I can explain why my name is on that document.””