Surprise

Chapter 3

I called the bank as soon as it opened.

Vivian sat beside me while I verified my identity and explained that I did not recognize the transfer. The person on the line asked careful questions and told me what steps were available.

I requested a review of the payment and suspended Marcus’s access to the account.

Then I called my accountant, Amara.

She knew something was wrong before I finished the first sentence.

“Did you approve a payment to Harbor Residential Holdings?” she asked.

“No.”

“I asked Marcus about it yesterday. He said you authorized it for a property investment.”

“My company doesn’t invest in residential property.”

“I know. He said you were expanding the business.”

I closed my eyes.

“Send me everything.”

Amara promised to gather the records. I asked her not to delete or change anything connected to the payment.

Then I called a lawyer.

Patricia Reed had helped me with the lease on my second event space. She listened without interrupting while I explained the affair, the marriage, and the transfer.

“I need to protect the company,” I said. “There are employees and clients depending on me.”

“We’ll start there. Preserve the messages and payment records. I’ll help you review Marcus’s authority and the documents used.”

I went to our apartment with Vivian that afternoon.

Marcus wasn’t there. Several drawers in his dresser were empty. His gym bag was gone.

My engagement ring sat in a small dish beside the bed.

I hadn’t worn it on the work trip because I worried about losing it while supervising renovations. He had proposed seven months earlier in front of my mother.

She had cried.

I picked up the ring and put it in its box. I didn’t throw it. I didn’t want another broken thing to clean up.

Vivian helped me pack clothes, documents, and my laptop. I took the framed photograph of Dad from the shelf.

Marcus had once told me he wished he could have met him.

I wondered what Dad would have thought of a man who married his widow while keeping his daughter’s ring beside their bed.

My phone rang as we carried bags downstairs.

Marcus.

This time, I answered.

“You locked me out of the business account.”

“Yes.”

“There are payments I need to make.”

“Send the invoices to Amara.”

“You’re going to hurt the company if you act like this.”

“What is Harbor Residential Holdings?”

Silence.

“Marcus?”

“It’s a property company.”

“I know what the name says. Why did you send it seventy-five thousand dollars?”

“You signed the investment approval.”

“I didn’t.”

“You did. Before your trip.”

Vivian stopped beside me.

I looked at the suitcase in my hand.

“Send it to Patricia Reed. You don’t have permission to make more payments.”

He lowered his voice.

“Nia, we need to separate what happened personally from what we planned professionally.”

“We didn’t plan a property investment.”

“You’re forgetting the discussion.”

I hung up.

For one second, I wondered whether he could be right. Before the trip, I had signed payroll forms, supplier agreements, and documents for the new venue. I had worked sixteen-hour days.

Then I remembered something Dad used to say when I was little: if you’re not sure, check. Don’t let someone else’s confidence become your memory.

I sent Patricia the call notes.

At Vivian’s apartment, I opened my laptop and reviewed every document I had signed before leaving. I found supplier contracts and insurance forms.

No property investment.

Amara sent me the payment approval at six.

It carried a digital signature resembling mine.

The accompanying email came from an address almost identical to my personal address. One letter was different.

I stared at it.

He had not relied on my forgetting.

He had made something for me to find and doubt.

Patricia called after reviewing it.

“The bank is investigating. We’ll contact the recipient company and ask them to preserve the transaction records. This could involve more than a disagreement about authority.”

I looked toward Vivian, who was making dinner.

“Do you think the money can come back?”

“We’ll pursue it. Tonight, I need you to save everything you have.”

I did.

I saved the messages where Marcus asked when I would return. I saved the proposal he had sent the night of his wedding. I saved the photographs Mom sent while I was away.

The next morning, Patricia had news.

Harbor Residential Holdings handled deposits on newly built homes.

The payment was a down payment.

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The purchase paperwork named Marcus and Denise together.

My mother and my fiancé had used my business money to buy their home.

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