Patel reviewed the account records with me and Mariana at a scheduled appointment.

She explained that the institution would investigate the instructions used to change card access and any transactions we disputed.

She could not promise an outcome in the room.

The supplementary cards had indeed been issued months earlier.

Evelyn and Chloe had been recorded as authorized users on specified accounts.

Some requests bore electronic confirmations associated with an email address I recognized as my mother’s.

But Mariana’s restrictions required closer examination.