Chapter 3 - The Declined Transaction

The boutique was called *Verdant Living*, an ultra-exclusive home and garden sanctuary located in the heart of Arcadia, where the parking lot was exclusively populated by Range Rovers, Porsche Cayennes, and custom Mercedes Sprinter vans.
I didn't have to guess where Gwendolyn went. The mobile notification pinged on my phone at 9:14 AM:
*ALERT: POS Attempt - Verdant Living Arcadia, AZ. Amount: $4,218.60. Card Status: TERMINATED. Reason: Cardholder Removed from Corporate Account.*
I was sitting in my private office on the top floor of the hillside estate, going through the quarterly balance sheets for Sterling Cold-Chain Systems with my head of accounting on speakerphone.
"Paige," my accountant, David, said with a dry laugh. "Someone just tried to run the black corporate card at an upscale garden boutique for four grand."
"I saw," I replied, leaning back in my ergonomic leather chair. "Who was the secondary user listed on that sub-card?"
"Gwendolyn Vance. It was linked to the regional hospitality budget for the Scottsdale warehouse."
"Keep it declined," I instructed. "And let the merchant services flag it as unauthorized if they try to run it more than twice."
"They're running it again right now," David chuckled. "Declined. And a third time. Now the merchant terminal has locked the card."
"Thank you, David. Have Marcus send over the finalized asset inventory for Rosewood Lane by noon."
I hung up and switched back to the Rosewood Lane camera feed.
Ten minutes later, the front door of the Phoenix home was thrown open so hard the doorknob punched a fresh dent into the drywall behind it.
Gwendolyn marched inside, her face mottled with bright red splotches of rage. She threw her leather handbag onto the dining table, knocking over a ceramic bowl.
"Samuel!" she shrieked. "Samuel Vance, get down here this instant!"
Chloe came out to the top of the stairs, holding a paintbrush dripping with bubblegum-pink paint. "Mom? What happened? Did you get the brass planters?"
"No, I did not get the planters!" Gwendolyn spat, pacing the length of the Persian rug. "I was humiliated! Absolutely humiliated! The cashier shouted across the entire store that my card was declined! In front of Mrs. Kensington from the country club!"
Samuel came stumbling out of the garage, wiping motor oil off his hands with a dirty shop towel. "What are you screaming about? What happened?"
"Your daughter!" Gwendolyn screamed, pointing a manicured finger directly at his face. "Your spiteful, vindictive little brat of a daughter cancelled the business card!"
Samuel blinked, looking utterly lost. "Paige? Why would she cancel the card? She knows we use that for the household groceries and the landscaping."
"Because she’s trying to punish us for giving Chloe the room!" Gwendolyn took three aggressive steps toward him, invading his space until Samuel took an instinctual step backward. "She sat at that table last night playing the quiet, obedient victim, and the second she got out the door, she sabotaged our credit lines! She did this deliberately to embarrass me!"
"Wait," Chloe said, running down the stairs, her eyes wide with panic. "Mom, what about my car payment? My BMW lease is auto-debited on the fifteenth! That's tomorrow!"
Gwendolyn’s eyes snapped to Samuel. "Tell me Chloe’s car isn't on that account."
Samuel swallowed hard, his Adam's apple bobbing. "Chloe’s car... the lease was cosigned under the logistics LLC. Paige was handling the commercial fleet discount through her company."
"Fix it!" Gwendolyn demanded, her voice rising to a pitch that rattled the glass panes in the kitchen cabinets. "Call her right now, Samuel! Call that little bitch and tell her that if she doesn't turn these cards back on within the hour, I am throwing every single box of her mother’s junk out onto the front lawn for the trash collectors!"
Samuel’s face drained of what little color it had left. "Gwen, don't say that. Those are Clara’s things—"
"I don't give a damn whose things they are!" Gwendolyn roared. "This is *my* house! I run this family! She does not get to walk out of here and play games with my livelihood! Call her!"
Samuel pulled his phone from his pocket with shaking hands.
Up on the mountain in Paradise Valley, my phone began to vibrate against the quartzite island.
*Dad Calling...*
I let it ring. Once. Twice. Five times.
On the sixth ring, I picked it up, pressed speakerphone, and placed the phone flat on the marble counter.
"Hello, Samuel," I said.
The silence on the other end was thick with shock. I hadn't called him 'Samuel' since I was five years old.
"Paige?" his voice was strained, breathless. "Paige, honey... where are you? Are you staying at a hotel? Look, your mother—Gwendolyn—she went to the store this morning and the company card was declined. There must be an error with the bank. Can you log into the portal and clear the hold?"
"There is no error, Samuel," I said evenly.
In the background, I could hear Gwendolyn snatching the phone out of his hand. Her screech exploded through the high-end speaker of my iPhone.
"Listen to me, you ungrateful little parasite!" Gwendolyn barked. "You turn those cards back on right now! Who do you think you are? You lived under my roof for nine years! You ate my food! You took up space in my house! You owe this family respect, and you owe this household financial support!"
I listened to her breathe heavily into the receiver.
"Are you finished, Gwendolyn?" I asked, my voice as calm as still water.
"No, I am not finished! If Chloe’s car payment bounces tomorrow, I swear to God I will take every dress, every book, and every photograph you left in that basement and set them on fire in the driveway!"
"First of all," I said, speaking slowly so every syllable landed like a lead weight, "the food in that house was paid for by the three thousand dollars I transferred into Samuel’s account every month. The roof over your head has been maintained by the roofers, plumbers, and electricians I hired and paid for out of my own accounts."
"That was your rent!" Gwendolyn yelled. "You're a grown woman! You're supposed to pay rent!"
"Second," I continued, ignoring her entirely, "Chloe’s BMW lease was executed under Vance & Sterling Logistics. As of 8:00 AM this morning, Chloe Vance was removed as an authorized commercial fleet operator due to multiple unpaid parking tickets and reckless speeding violations on the corporate insurance policy. The vehicle must be surrendered to the dealership by 5:00 PM tomorrow, or it will be reported as an unauthorized commercial conversion."
"You can't do that!" Chloe screamed in the background, her voice breaking into hysterical sobs. "Mom! She’s taking my car! That's my car! My friends are coming over in an hour!"
"And finally, Gwendolyn," I said, "if you touch so much as a single thread of my mother’s belongings in that basement, you won't have to worry about credit card declines. You'll have to worry about felony grand larceny and destruction of trust property."
"This is Samuel’s house!" Gwendolyn shrieked, completely unhinged now. "He’s the man of the house! He owns everything here, and as his legal wife, half of this belongs to me! You have no power here, Paige! None! You're nothing without this family! You're just a glorified secretary at a third-rate trucking office!"
"Is that what you think I am?" I asked softly.
"I know what you are! Now turn the damn cards back on, or don't you dare ever show your face here again!"
"I won't be showing my face there, Gwendolyn," I said, looking out at the mountain peaks baking under the morning sun. "You will be showing yours to my attorney."
I hung up before she could reply.
I immediately blocked Samuel’s number, Gwendolyn’s number, and Chloe’s number.
Then I sent a two-word text to Marcus Sterling:
May you like
*Phase two.*
***