I ended Zachary’s call and contacted Apex through a verified number.

The security team took my denial, secured the account, and arranged new credentials.

They did not treat my being at home as definitive proof I could not have signed electronically.

My explicit denial, the verification problem, and the associated records gave them reasons to investigate.

“Was anything transferred?”

“No completed transfer,” the administrator said.

I asked her to repeat that.

She did.