noted it seemed important to Noelle that Miss Sadie not suffer. That alone proved nothing. A lot of white collar criminals felt they were stealing from businesses that were reimbursed by insurance companies, not people, and therefore justified it on some level because the victim was a faceless corporation.
Kevin tackled the last stack of mail. “On Miss Sadie’s own credit cards, there’s probably a set limit she’ll be liable for, possibly as low as fifty dollars, depending on the terms of her agreement with the bank that issued them. But she won’t be liable for the cards that were fraudulently applied for and issued during her absence. Unfortunately, it is going to take awhile to prove that was done by someone other than Miss Sadie herself, and get all this straightened out…and during that time her name is going to be mud at all the banks. It looks like she is maxed out on all her current cards.”
Noelle filled two glasses with ice and water. “How can this happen?”
Kevin leaned back in his chair and watched her slice up a lemon. It was a simple domestic act, yet it filled him with pleasure. “Someone got hold of Miss Sadie’s personal information, signed her up for cards and used a Houston post office box as her mailing address,” he explained. “Once the cards were issued and activated, it looks like the thieves began ordering goods off the Internet and had them delivered as “gifts” to other people at post office boxes around the state.”
Noelle’s brow furrowed. “Shouldn’t someone have figured this out?” she complained.
Kevin noted that this woman was either innocent of any wrongdoing, or an Oscar-caliber actress. He leaned back as she put the beverage in front of him. “Obviously, given the volume of letters Miss Sadie received at her permanent Laramie and Houston addresses, people were questioning what was going on and putting holds on various accounts until they heard from her. Unfortunately, because she was on her cruise, no one was able to reach her. It looks like most of the activity took place in a three-week period at the end of November. Do you know what day she left on her cruise?” he asked curiously.
Noelle nodded. She plucked silverware out of one drawer, napkins from another. “October twenty-ninth. I met with her right before she left.”
“And she got back…?” Aware they were about to eat, Kevin moved the stacks of sorted mail out of the way.
“Three days ago,” Noelle replied. “Miss Sadie spent the night in Houston, then picked up her mail at the nearby post office the following morning. She had her regular driver bring her out to Laramie, where she stopped at the post office, picked up that mail, and headed out here to Blackberry Hill. She said she waited until she got to the house to start going through it all, so she had no idea what was going on.”
The microwave dinged again. Noelle removed the dinners from the oven and handed him the beef and broccoli, keeping the lemon chicken and broccoli for herself. They peeled off the plastic covers. Steam curled through the air, giving the kitchen a distinctive Asian aroma.
“How are you going to track the thieves?” Noelle asked, taking a seat opposite Kevin.
“I’m going to start by talking to everyone close to Miss Sadie, and have her fill out some forms about who works in her home, or on the property, or has occasion to see her private papers. Whoever did this had to have access to her birth date, social security number, bank information and so on. In all likelihood it’s someone close to her she would never suspect, which is why I’m going to be taking a hard look at the background of everyone around her.”
Noelle seemed nervous again. “Couldn’t it have been a stranger?” she asked, a troubled look in her eyes.
Kevin struggled to contain his disappointment. He did not want Noelle to have anything to do with this. “It could have been,” he agreed carefully.
She released the breath she had been holding. “But you don’t think it is.” She kept her eyes on his.
Kevin debated how much to tell her. “I find the timing odd,” he said finally. “Miss Sadie goes off for a six-week cruise, and two days later, a flurry of bank card applications are entered in her name. She has a stellar credit rating, so the cards are issued promptly—probably all within hours of each other. Ten days later, purchases begin. And then magically stop right before she gets home from her cruise. Common sense says it was no accident that this happened while she was out of touch.”
Noelle’s expression turned contemplative. She put her fork down and dabbed the corners of her mouth with her napkin. “So what next?”
I try like hell to remain objective. “I talk to my friends in Houston who specialize in identity theft for the HPD. There may be others in the area who are reporting similar fraud.”
“Maybe people on the same cruise?” Noelle asked hopefully.
Clearly, she was looking for an easy solution to the puzzle. “Or people who all used the same travel agency to book vacations. Then again, a common thread could be people whose homes are all monitored by the same security company, companies that would have been informed of the prolonged absence of the residents. And we can’t rule out that it could be an isolated incident—just someone close to Miss Sadie who wanted to give their family a good Christmas.”
Noelle picked up her fork and toyed with her food once again. “I find it hard to believe anyone close to Miss Sadie would do this to her,” she said stubbornly.
“You prefer the stranger angle.”
“Yes.”
So did he, truth be known. However, Kevin had learned the hard way that not everyone could be trusted. “Desperation makes people do awful things.”
Noelle shook her head in frustration. “But to take advantage of an eighty-five-year-old woman who is one of the sweetest, most generous people I’ve ever met…”
“I agree. It’s awful. But I can’t let my personal feelings for Miss Sadie hamper my investigation, which is why I’m going to take a hard look at everyone around Miss Sadie.” Kevin paused. “Including,” he said meaningfully, looking straight at her, “you.”
NOELLE HAD EXPECTED she would be investigated, given all Kevin had just said about the likely suspect being someone with easy proximity to Miss Sadie. She hadn’t expected it to hurt so much. Temper igniting, she pushed away from the table and headed to the sink. “Don’t forget Dash.”
Kevin finished his meal. “I won’t.”
“Or my son, Mikey,” Noelle continued heatedly, dumping the remains of her dinner into the disposal, her appetite gone. “He could have done it, too.”
Kevin dropped his own black plastic dish into the trash and carried the silverware over to the dishwasher. “You’re offended.”
Noelle glared at him. “I’d like to say I understand you’re just doing your job.”
He took the disposable dish out of her hand and threw it away, too. “But you can’t.” He turned back to face her.
Trying not to notice how fit and handsome he looked in his starched khaki uniform, Noelle shook her head. “No. I can’t. I don’t like being accused of something I did not do.” It brought back too many memories of a time she would rather forget.
He gave her a steady, assessing look.
Noelle
