I returned the greeting with a smile that I hoped looked natural and headed directly to Sebastian’s desk. He was reviewing some documents on his computer, but looked up when I approached and greeted me with a professional smile.
“Mrs. Mary, it’s good to see you. How can I help you today?”
I sat in front of him and took a deep breath. It was now or never.
“Sebastian, I need to talk to you about something very serious that happened with my account,” I began with a steady voice despite the tremor I felt inside. “My son made transfers from my account without my authorization. And I need to know exactly what happened and what I can do to get my money back.”
I watched Sebastian’s expression immediately change from professional cordiality to genuine concern.
“Without your authorization? But Mrs. Mary, your son, Robert, has power of attorney over your main account. Any transaction he makes is legally valid because you granted him that right.”
His words hit me like a punch to the stomach, even though I expected them.
“I know,” I replied, trying to maintain my composure. “I gave him that power, thinking it was for emergencies, so he could help me if I ever needed it. I never imagined he would use it to rob me.”
Sebastian was silent for a moment, processing what I was telling him. Then he typed something into his computer, and his brow furrowed as he looked at the screen.
“I see here that there were indeed three large transfers made from your account in the last two weeks. The most recent was yesterday afternoon for an amount of $140,000. The previous two were ten and fifteen days ago, for $80,000 and $60,000 respectively. All were to an account in the name of Sarah Menddees Ruiz.”
The full name of my daughter-in-law coming out of Sebastian’s lips made everything feel even more real, more painful. Two hundred and eighty thousand dollars. All my liquid assets transferred to the account of that woman who had earned my trust only to destroy me.
“I need you to help me block that account and get my money back,” I told Sebastian with urgency in my voice. “Robert stole from me. He used the power I gave him in good faith to strip me of everything I have. There has to be something you can do.”
Sebastian ran his hands over his face with a look of worry.
“Mrs. Mary, this is very delicate. Legally, your son had the right to make those transfers because you granted him power of attorney. However, if you allege a breach of trust and misappropriation, then we are talking about a crime. But for the bank to act, we need you to file a formal complaint with the authorities.”
The word “complaint” echoed in my head. Reporting my own son meant potentially sending him to jail, destroying his life, marking him forever with a criminal record. But then I remembered his voice on the phone the day before—that cruel laugh as he said he could imagine my face when I discovered the empty account. I remembered how meticulously he had planned everything with Sarah, how he had used my love and trust against me. I remembered the forty years Arthur and I worked to build that wealth, the sleepless nights, the sacrifices, the deprivations.
“I will file the complaint,” I said in a firm, clear voice. “Robert stopped being my son when he decided to steal from me. I will do everything necessary to recover what is mine and make him face the consequences of his actions.”
I saw a flash of admiration in Sebastian’s eyes. It probably wasn’t the first time he had seen cases of financial abuse against elderly people, but perhaps it was the first time he had seen a victim determined to fight.
Sebastian began to explain the process patiently.
“Here’s what we’re going to do. First, I’m going to immediately block your account so no more transfers can be made. Second, I’m going to generate a complete report of all transactions made in the last three months so you have detailed documentation. Third, I’m going to contact the bank’s fraud department to inform them of the situation. They will initiate an internal investigation. And fourth, you will need to go to the district attorney’s office today to file a formal complaint. With that complaint, the bank will be able to try to block or track the money that was transferred to your daughter-in-law’s account.”
I nodded, making mental notes of each step. It was a complicated process, but at least there was a path forward, a possibility of justice.
“Is there any chance of recovering the money?” I asked with a trembling voice.
Sebastian sighed before answering.
“It depends on several factors. If the money is still in the destination account and we manage to block it before they move it, yes, there are good chances. But if they have already transferred it to another account or withdrawn it in cash, it will be much more complicated. Time is crucial here, Mrs. Mary. The faster you act, the more chances you have of recovering your wealth.”
His words filled me with a renewed urgency. I couldn’t lose another minute.
“Can you do all that right now? Block the account, generate the reports, contact the fraud department?”
Sebastian nodded and immediately began working on his computer.
While Sebastian was typing and making phone calls, my mind didn’t stop working. I wondered what Robert and Sarah would be doing right now. Would they have already tried to move the money elsewhere? Would they be celebrating their victory? Or maybe Robert was feeling some remorse for what he had done to me.
I immediately dismissed that last option. The Robert I had heard on the phone had no room for remorse. He was cold, calculating, capable of laughing at the pain he would cause his own mother. That wasn’t the son I had raised. Or maybe he had always been like that, and I had simply refused to see it.
“Done,” Sebastian said after almost half an hour of intense work. “Your main account is blocked. No one can make transactions from it, not even you for the moment until the legal situation is resolved. Here is the complete report of all transactions from the last three months. As you can see, the three large transfers I mentioned were the only unusual operations. Before that, your account showed a very stable and predictable pattern, exactly as you have managed it all these years.”
He handed me a folder with several printed documents that I carefully placed in my purse.
“I also contacted the fraud department. They will call you in the next twenty-four hours to conduct a more detailed investigation. And here is the address and phone number of the specialized financial crimes unit. You need to go today to file your formal complaint.”
I stood up from the chair with trembling legs, but with a new determination in my heart.
“Thank you, Sebastian. You don’t know how much I appreciate your help at this difficult time.”
He stood up as well and took my hands with a paternal gesture.
“Mrs. Mary, I have known you for many years. I know you are a responsible person who is careful with your money. What your son did to you is unforgivable. I sincerely hope you manage to recover what is yours and that he faces the consequences of his actions.”
His words comforted me more than he probably imagined. I left the bank with the folder of documents pressed against my chest as if it were an invaluable treasure.
As soon as I left the bank, I called Rebecca and told her everything that had happened. She listened carefully, and when I finished talking, she said in a firm voice:
“Perfect, Mary. Now you go directly to the district attorney’s office to file that complaint. I’m heading there, too. I don’t want you to face this alone. I’ll see you at the entrance in half an hour.”
Her unconditional support gave me renewed strength. I drove toward the district attorney’s office with my heart racing. Every traffic light, every turn brought me closer to the moment when I would have to officially say that my son was a thief, that the person who had come out of my womb and to whom I had dedicated my entire life had betrayed me in the most vile way.
