- 10 hours ago
My Life Is On The Line [Full Movie] [Ranked]Full EP - Full
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Short filmTranscript
00:00:12Welcome to Southwest Credit Union.
00:00:14Your security is our number one priority, so this call may be monitored for your safety.
00:00:18Please enter your 10-digit account number to get started.
00:00:23Please hold, and an agent will be with you shortly.
00:00:25Hello.
00:00:26Your business is important to us.
00:00:29Please stay on the line, and one of our assumptions will be with you shortly.
00:00:34You guys know my business, right?
00:00:37Your business is important to us.
00:00:38Please stay on the line, and we can't just get you on the line.
00:00:41Your security is our number one priority, so this call may be monitored for your safety.
00:00:45Please enter your 10-digit account number to get started.
00:00:50You should be more careful.
00:00:52You never know who you're talking to.
00:01:00And at lunch, he always makes me trade my candy with him.
00:01:03If I say no, he's going to make my life worse.
00:01:06Well, you don't have to give away your food if you don't want to.
00:01:09He's so mean to me.
00:01:10He gives me these homemade granola bars that taste awful, Mom.
00:01:14I hate him.
00:01:15Honey, Dylan, I can't talk like that, okay?
00:01:19Just tell your teacher it's not okay, silly.
00:01:20Then they'll make fun of me for being a snitch.
00:01:23And that's even worse.
00:01:25You're not a snitch.
00:01:26You're a strong, handsome boy, and you can just tell him you don't want to share.
00:01:31And that's it.
00:01:32I'll try my best.
00:01:33Thanks, Mom.
00:01:34Come on, we gotta go wrap it up.
00:01:35Dad, I want to keep talking to Mom.
00:01:37Shannon, are you good to pick up at four?
00:01:39What?
00:01:39No, uh, wait.
00:01:42We said Tuesday was your day, and I have to work.
00:01:45Does Shan, like I don't have to work?
00:01:48It's just that we talked about this.
00:01:51I can't just leave whenever I want.
00:01:53Shannon, the mediator said you need to be more present, but that's fine.
00:01:56I'll let her know you can't make it.
00:01:58Again.
00:01:59I'll make it work.
00:02:00God.
00:02:01Thanks for not making a big deal out of this, Shan.
00:02:03All right, Chief, let's go.
00:02:04You ready?
00:02:05Tell Mom I said bye.
00:02:06Bye, Mom.
00:02:07Have a good day at work.
00:02:07Hey, maybe I could...
00:02:24Have a good day at work.
00:02:56Welcome to Southwest Credit Union.
00:02:58Your security is our number one priority, so this call may be monitored for your safety.
00:03:02This branch is temporarily operating at reduced hours.
00:03:05Southwest, thank you for your patience.
00:03:14Your business is important to us.
00:03:16Please stay on the line, and one of our associates will be with you.
00:03:19Hello, Southwest Credit.
00:03:20This is Shannon.
00:03:21Can I have your name, please?
00:03:22I've got a big deal.
00:03:23I've got one mouth.
00:03:24Only one of them.
00:03:25Hello?
00:03:25Hello?
00:03:26No, no, man.
00:03:27No, I only want one of those things.
00:03:29I'm sorry.
00:03:29I can't...
00:03:30Yeah, just one.
00:03:31Yeah, babe.
00:03:31Okay, Josh.
00:03:32You ring it up, man.
00:03:33Hello?
00:03:33Yes, this is Southwest.
00:03:35Oh, yeah.
00:03:36Sorry.
00:03:37God, no.
00:03:37This dude.
00:03:38That's all right.
00:03:39Can I have your...
00:03:41Yeah.
00:03:42Yeah, I'm sorry.
00:03:43What?
00:03:44Your name, please?
00:03:46Uh, Richard Bennett.
00:03:48All right, thanks, man.
00:03:48Right.
00:03:48Hi, Richard.
00:03:49How can I help you today?
00:03:51I was trying to...
00:03:52You know, I was trying to book a flight online, but it won't let me.
00:03:55Okay.
00:03:56Let me see what I can do.
00:03:58I just need to verify the account.
00:04:00Do you have the phone password?
00:04:02What?
00:04:03The...
00:04:03There's a passphrase, or we can try...
00:04:06Oh, damn.
00:04:07Um...
00:04:08Um...
00:04:089-1-1-4, I think.
00:04:11The 20-year anniversary is my turn to plan something.
00:04:15That's something, isn't it?
00:04:17Okay.
00:04:17Looks like I can enroll you in the perks program right now, free of charge.
00:04:22Oh, yeah.
00:04:22I mean, I guess.
00:04:23Yes, free.
00:04:24Yeah, whatever you gotta do, okay?
00:04:26And, sir, if you don't mind, there's a short survey after we finish.
00:04:30It's not even two minutes.
00:04:32Oh, yeah, yeah, yeah.
00:04:33I get it.
00:04:33No problem.
00:04:34Thanks.
00:04:35That means a lot for us.
00:04:36Okay.
00:04:37Uh, you are all set.
00:04:40Really?
00:04:41Hey, that was easy.
00:04:43Yeah.
00:04:43We try to make it that way.
00:04:44I used my perks for Playa del Carmen.
00:04:46That was before kids ago.
00:04:48So, where are you, uh...
00:04:49What the hell are you doing, man?
00:04:50Come on.
00:04:51I'm moving it.
00:04:52I said, I'm...
00:04:52You see me walking toward it right now.
00:04:59Oh, no.
00:05:01Sure, I'll hold it.
00:05:04Oh, this day is just not starting off very well.
00:05:08You should use your breath.
00:05:13Breathe.
00:05:14I can hear you.
00:05:16You're holding your breath.
00:05:18Am I?
00:05:19Yeah, I can hear.
00:05:21Do you breathe with your belly?
00:05:24Short breaths are defensive.
00:05:26Affirmative communication comes from...
00:05:32Personal power coaching.
00:05:34Right.
00:05:36Like karate?
00:05:40My nephew does karate.
00:05:42It's all about breathing, right?
00:05:44I don't know.
00:05:45I don't teach karate.
00:05:49I've, uh, been browsing through the staff directories, and I gotta say, you two seem like the most interesting
00:05:55people here.
00:05:56And the only people here.
00:05:58I guess it's good they put us together.
00:06:01The three amigos.
00:06:03Hello, Southwest Credit.
00:06:04This is Shannon.
00:06:04How are you doing today, Mrs. Miller?
00:06:06Where's this town guy sitting?
00:06:08You're at his desk.
00:06:10He didn't make his surveys.
00:06:15Anything else I can do for you?
00:06:24Come on, let's break.
00:06:26I, I gotta get a few more in.
00:06:28Sorry.
00:06:29Are you okay?
00:06:32Yeah, I'm not, I'm good.
00:06:34Yeah.
00:06:35I'm just here providing a solid and reliable presence in Dylan's life.
00:06:40And you are.
00:06:41I can attest to that.
00:06:42Bring me into that court.
00:06:44I dress up real fancy.
00:06:47Please don't say that.
00:06:50I'm very sorry.
00:06:52I'm so sorry.
00:06:54Nope, yep, I will correct that right away.
00:06:56Hello, Southwest Credit.
00:06:57This is Shannon.
00:06:58How are you doing today, Mrs. Howard?
00:06:59It's miss, not missus.
00:07:01Oh, I'm sorry.
00:07:02We can't update that.
00:07:03What time do you close?
00:07:055 p.m. on weekdays.
00:07:065 p.m.?
00:07:07Yes, is there anything else I can do?
00:07:09Oh, good.
00:07:10I can still make it.
00:07:12I'm sorry.
00:07:14What was your passphrase again?
00:07:16I haven't seen you.
00:07:17Oh, oh, right, right, right.
00:07:18Sorry.
00:07:20I haven't.
00:07:21It's on my list.
00:07:23Sorry, can you say that again?
00:07:24It's just my, my, uh, my headset's getting a little funky.
00:07:34Good morning, Amelia.
00:07:35Good morning.
00:07:36Shannon, we're going to get those survey numbers up.
00:07:38Yes?
00:07:39Great.
00:07:40Good morning, Dave.
00:07:41Let's have a great first day.
00:07:42We'll do, boss.
00:07:44I mean, yes or no.
00:07:45Southwest Credit.
00:07:46Good sister, okay?
00:07:56Okay, can I get your passphrase?
00:07:59Hello, Southwest Credit.
00:08:00This is Shannon.
00:08:01How may I help you?
00:08:02Yeah, I got to talk to somebody about the silver draft that you got here.
00:08:06Okay.
00:08:07Hello?
00:08:07All right, I see it now.
00:08:10Is somebody there?
00:08:12Hello?
00:08:12Oh, yeah, sorry.
00:08:14Um, hi, uh, Southwest Credit.
00:08:16This is Shannon.
00:08:17How can I help you?
00:08:18Yep.
00:08:18You said that part already.
00:08:20I'm sorry if I'm troubling you with my phone call today.
00:08:23If we can't count on you to show up, what do you expect a mediator to do?
00:08:27I told you, it's not easy.
00:08:28I need to get approval from my boss.
00:08:30Why would you ask for mediation if you're not even going to show up?
00:08:33It wasn't my idea.
00:08:34It's just, I'm trying to find balance and I just wish you would understand that.
00:08:39I'm just saying, Shan, if you don't get it together, things might not turn out the way
00:08:43you want them to.
00:08:44What is that supposed to mean?
00:08:45You don't get everything by default.
00:08:47He's my son, too.
00:08:48Hey, can't talk right now.
00:08:49We can talk about this later.
00:08:50I gotta go.
00:08:50Did you get my memo?
00:08:54Survey's on track?
00:08:55Yeah.
00:08:55Hi.
00:08:56How are you?
00:08:57Our CSAT numbers are grim this month.
00:09:00They want us to do twice as much for Captain SAF.
00:09:03I think it's more about the state of the world and less about us, but that's what they look
00:09:08at.
00:09:09Right.
00:09:10Surveys.
00:09:11It's complicated.
00:09:14You hit your number, I hit mine, and maybe we won't have to let someone else go.
00:09:21Couldn't be simpler than that.
00:09:24I understand that.
00:09:25I'm working on it.
00:09:36Hello, Southwest Credit.
00:09:37This is Shannon.
00:09:38May I have your name, please?
00:09:40Are you guys hiring?
00:09:41Excuse me?
00:09:42I lost my job.
00:09:43I'm out of work, and I drive by there every day, and I thought maybe I called.
00:09:46I'll transfer you to the appropriate department.
00:09:48You can leave a message.
00:09:49Oh, thank you, Graham.
00:09:50Sorry, I'm going to help him with that.
00:09:52Oh, sure.
00:09:54No problem.
00:09:55Oh.
00:09:56Did you pass code?
00:09:57And if you wouldn't mind, there's a survey at the end of the call.
00:10:00Survey?
00:10:01Yes.
00:10:01Sure.
00:10:01Have a great day.
00:10:02Really appreciate that.
00:10:03Okay.
00:10:04Okay.
00:10:04You have a great rest of your day, too, Mrs. Gomez.
00:10:07Bye-bye.
00:10:07Okay.
00:10:10It is my first day.
00:10:11Happy to...
00:10:11Happy to...
00:10:13Great.
00:10:16I...
00:10:16Yeah.
00:10:20Hello, Southwest Credit.
00:10:21Can I have your name, please?
00:10:24Nicholas.
00:10:25Hi, Nicholas.
00:10:26My name is Shannon.
00:10:26How can I help you?
00:10:28Look, we're in trouble.
00:10:29My wife, she's had an accident.
00:10:31I don't know what to do.
00:10:32It's her account.
00:10:33Oh, I'm so sorry to hear that, sir.
00:10:35Okay.
00:10:36Can I get your wife's name, please?
00:10:38Maggie Haywood.
00:10:39H-A-Y-W-O-O-D.
00:10:42And we're...
00:10:43I'm outside the hospital.
00:10:45I don't know what she needs.
00:10:46The insurance.
00:10:47I called them.
00:10:48Oh, no, no, no.
00:10:49Take your time.
00:10:50That's okay.
00:10:50They'll cover it fully, at least.
00:10:52They need some sort of collateral.
00:10:54I'm sure you hear this all the time.
00:10:56But it's just...
00:10:57When it happens to you...
00:10:59That sounds really difficult.
00:11:01I'll help as fast as I can.
00:11:02I don't know if this is what I'm supposed to do,
00:11:04but you've always been good to us in the past.
00:11:07Okay.
00:11:07You are listed as a contact.
00:11:08I just need the passphrase.
00:11:11Passphrase?
00:11:12Password on the account.
00:11:15Sir?
00:11:18Sir?
00:11:21Sorry.
00:11:21I'm just trying to think everything that's going on.
00:11:24Okay.
00:11:25No problem.
00:11:25I totally understand.
00:11:27I mean, if it was a joint account,
00:11:28you'd both be able to...
00:11:30Maybe it's 10-15.
00:11:32That's...
00:11:37I'm sorry.
00:11:38Not that one.
00:11:41I don't know.
00:11:42Okay.
00:11:43Let's try something else.
00:11:45Can I have your address?
00:11:4733.
00:11:48Liquid Lane.
00:11:50Included.
00:11:51Okay.
00:11:52Her date of birth?
00:11:53June 14, 1982.
00:11:57Okay.
00:11:57Childhood pet?
00:12:02I think Lucy, maybe?
00:12:05It's okay.
00:12:08That's good.
00:12:10I think...
00:12:12I gotta go back in.
00:12:16Hello?
00:12:17Yeah, no, I'm sorry.
00:12:18It's asking me for the passphrase again.
00:12:21Could you ask her, maybe?
00:12:27She can't.
00:12:28It's bad, Shannon.
00:12:31Let me speak with someone.
00:12:32If we get disconnected, just ask for me, Shannon.
00:12:36Okay, just Shannon?
00:12:38Shannon Cooper.
00:12:39You can dial my direct extension, which is 8585.
00:12:44God, her daughter's freaking out right now.
00:12:48Yeah, kids are tough.
00:12:51Do you have kids?
00:12:53I do.
00:12:55A boy.
00:12:56He's gonna be 10 this month.
00:12:58That's...
00:12:59That's wonderful.
00:13:00What a great age.
00:13:02Thanks.
00:13:02Yeah, he's special.
00:13:03Hey.
00:13:04Hey, what's going on?
00:13:05You're moving her?
00:13:06Where?
00:13:07Where?
00:13:08What's going on?
00:13:10I'm still on the phone.
00:13:11Wait.
00:13:12Wait.
00:13:16Wait.
00:13:29How may I help you?
00:13:42Excuse me.
00:13:45I just need you to...
00:13:57So for that, you will have to come into...
00:14:07Hello, Southwest Credit.
00:14:08This is Shannon.
00:14:09How may I help you?
00:14:10Uh, yes.
00:14:10Hello.
00:14:11I ordered some checks at your branch.
00:14:14I actually came in and ordered them in person, which was probably my first mistake.
00:14:19And they came in the mail just the other day, and they're the wrong checks.
00:14:23These checks, look, they're an island, but they look like a toilet.
00:14:27Sir, I'm sorry.
00:14:28If you ordered from the branch, I'll just have to speak with them directly.
00:14:30I'm supposed to go back to these people.
00:14:31I'm sorry.
00:14:32I just can't.
00:14:33Just try them.
00:14:34I don't understand.
00:14:41Hello?
00:14:42Oh, God.
00:14:43I, uh...
00:14:45I got disconnected.
00:14:47Oh, it's fine.
00:14:47Is she okay?
00:14:48No.
00:14:49I don't know.
00:14:50She just dropped.
00:14:52Oh, she's not.
00:14:53Oh, what is it?
00:14:55She needs surgery.
00:14:58They're asking me to make a decision.
00:14:59I'm stuck at the front desk.
00:15:01I can't even go in there.
00:15:03So, what are they asking for?
00:15:06We don't have enough savings.
00:15:07Her business account, I'm thinking, maybe some way.
00:15:12This is so embarrassing.
00:15:15Sure, it will automatically...
00:15:16Uh, and we can't speak to her?
00:15:20No.
00:15:20I have her phone.
00:15:21I have everything.
00:15:23I just...
00:15:24Okay, I'm still waiting to hear back from my manager.
00:15:27Just please hang in there.
00:15:29God.
00:15:30What do I tell our daughter?
00:15:32I mean, if you need to call her, I'll let you know as soon as we hear...
00:15:35No, no, no.
00:15:35Wait, wait, wait.
00:15:36Don't hang up, please.
00:15:37I just...
00:15:38I don't want to get lost in the system.
00:15:39Please, Shannon.
00:15:41Please.
00:15:41No, no.
00:15:42Of course, of course.
00:15:43I am not going anywhere.
00:15:45No offense, but I've heard that before.
00:15:49I'm not trying to be difficult.
00:15:51As in you, it's just...
00:15:53that I've gotten a lot of empty promises from a lot of people lately.
00:15:55I mean, it's hard.
00:15:59It's a hard feeling.
00:16:00So helpless.
00:16:03I just don't know what to do, Shannon.
00:16:08Shannon?
00:16:14So, what's her name?
00:16:15Your daughter.
00:16:17Willow.
00:16:18I know.
00:16:19It's very Rothschild.
00:16:21No, no, no.
00:16:22That's beautiful.
00:16:22How old is she?
00:16:24Teenager.
00:16:25She's a handful.
00:16:27But now I, uh...
00:16:28I wish I just spent more time with her when she was a kid.
00:16:32I don't know how...
00:16:35I'd ever...
00:16:35You sound like a good dad, Nicholas.
00:16:39I just feel so alone.
00:16:44I'm sorry.
00:16:45I shouldn't be putting this on you.
00:16:47No, no.
00:16:48Listen.
00:16:50I, uh...
00:16:51I feel the same way sometimes, too.
00:16:53It's not easy.
00:16:56You're not married.
00:16:58Uh, well, I am, but it's complicated.
00:17:02It's tough holding it together.
00:17:06Kids are easy compared to relationships.
00:17:08Yeah.
00:17:11Well...
00:17:12Your son is lucky.
00:17:15Oh, that's not what the teachers think.
00:17:18At St. Norbert's, most moms pick up their kids for lunch.
00:17:21I don't even make it to soccer practice.
00:17:24I'm sorry.
00:17:25I just mean to, uh...
00:17:26No, no, no.
00:17:27No, thank you for actually talking to me like a human.
00:17:32Hmm.
00:17:34I'm still waiting.
00:17:36She's talking to someone.
00:17:38I don't...
00:17:38Wait, wait, wait, wait.
00:17:40Please.
00:17:40They're taking her.
00:17:41They're not.
00:17:42Don't.
00:17:43I am working.
00:17:44I am trying to...
00:17:45What?
00:17:46Please.
00:17:47Please.
00:17:47I need more time.
00:17:48She's working.
00:17:49She's trying to get me the money.
00:17:50Okay.
00:17:50Go get you in the house, please.
00:17:52Please.
00:17:52I am backing you.
00:17:53What?
00:17:54Nobody cares?
00:17:55Nobody cares?
00:17:56What?
00:17:57What?
00:17:57This is a human being.
00:17:58I'll get you what you need.
00:18:00I am trying.
00:18:02Okay?
00:18:02I am trying.
00:18:03Please.
00:18:04Give me more time.
00:18:06Give me more time.
00:18:07Please.
00:18:08My wife.
00:18:09Stop.
00:18:10I gotta go.
00:18:11I gotta pay for a little bit.
00:18:12Wait.
00:18:13Wait.
00:18:15Um...
00:18:17I was able to speak with someone.
00:18:20Oh, God.
00:18:22Thank you, Shannon.
00:18:26Oh, God.
00:18:28She's trying to get me the money.
00:18:30What do you need us to do?
00:18:32I have an account.
00:18:33Number.
00:18:34Can you come to the branch?
00:18:37Which branch are you at?
00:18:38Newton Square.
00:18:40No.
00:18:41No, that's too far.
00:18:43Is there any way we could do this on the phone?
00:18:47I can't leave her, Shannon.
00:18:49Okay, let me figure this out.
00:18:51How much do they need exactly?
00:18:53It's $20,000.
00:18:54That's just a deposit.
00:18:56Okay, so there's only $19,000 in the account.
00:19:00But you can overdraft if you need to.
00:19:03Okay, yeah.
00:19:04I think we'll need to whatever it takes.
00:19:11Okay, uh, can you write this down?
00:19:16062-BE88.
00:19:18That's your verification code.
00:19:19If anything comes up, I'll connect you with the secure line.
00:19:22All you have to do is give them that number.
00:19:25It shouldn't be that long.
00:19:26I promise.
00:19:28Really, Shannon.
00:19:30You're saving my life.
00:19:33That's...
00:19:35And good luck.
00:19:37I'm sure things will work out.
00:19:40Good things happen to good people.
00:19:43I hope you're right.
00:20:05The sound of success.
00:20:08You know, you really would have been a great therapist.
00:20:12I mean, you'd listen.
00:20:15Because I bet you could do a lot more than collect surveys.
00:20:19Plus, be a lot less jittery.
00:20:20I think I just had a little too much coffee this morning.
00:20:25Shannon, my office, please.
00:20:49What is it?
00:20:51Your request?
00:20:54Oh, I...
00:20:55The 30th and every subsequent Monday.
00:20:58Oh, right.
00:20:59Yes.
00:21:00Um, I'm sorry.
00:21:02I...
00:21:02It's...
00:21:03It's just for the next two months.
00:21:04Well, it can't be outside core office hours?
00:21:07I tried to move in and I...
00:21:09It's just...
00:21:09There's no other time.
00:21:12Look, you realize the position I'm in here.
00:21:14I mean...
00:21:16Let me start over.
00:21:18You received your performance plan?
00:21:20Yes.
00:21:21This job is the most important thing to me.
00:21:24I'm glad.
00:21:25But the plan has targets.
00:21:2850 new accounts, 85% customer satisfaction, 20%...
00:21:32I know the plan, Shannon.
00:21:34I'm asking what your plan is.
00:21:41Listen, I can just give you a reference, like I did with Tom, but we're out of options here.
00:21:50It...
00:21:51It's the mediator's schedule.
00:21:55Joel and I are getting separated.
00:21:59Okay.
00:22:01I get it.
00:22:02I went through mine...
00:22:03Ten years ago.
00:22:05It was help.
00:22:06Yeah.
00:22:06Yeah, and I'm so sorry that I've been so distracted.
00:22:09But we're good now.
00:22:10It's not going to affect my work, I promise.
00:22:12I just...
00:22:13Just need a little help.
00:22:17You see this?
00:22:23I was just starting out, like you.
00:22:26But at the desk up front, when people actually came in.
00:22:32And this guy, having a bad week, thought he could rob us with a steak knife.
00:22:38And he grabbed me.
00:22:40And he told them that if he didn't open up the back, he was going to push it through.
00:22:48That's not even the worst part.
00:22:50I saw hesitation in my manager's eyes.
00:22:56And he didn't succeed, obviously.
00:22:59But for me, this is a reminder of what it took to get here.
00:23:05Because there are plenty of other people who are just as competent, who don't have all the distractions.
00:23:12And as unfair as all of that seems, it's like that way for a reason.
00:23:18I just...
00:23:19These sessions, I really need to...
00:23:20Holding down a stable job doesn't hurt.
00:23:24So, yeah.
00:23:26Your mediator is essential, but so is hitting your plan.
00:23:31Am I making myself clear?
00:23:33Yeah.
00:23:41Is there something else?
00:23:47No.
00:24:08There is a large transaction.
00:24:11Yes, today.
00:24:14That's why it was flagged.
00:24:15Let's...
00:24:16Yeah, I...
00:24:18Yeah, I can...
00:24:20Yes, I'm looking at it now, Mrs. Haywood.
00:24:23No.
00:24:24No.
00:24:24Let me check a few things.
00:24:27Okay.
00:24:27Take a breath.
00:24:28Calm down.
00:24:29Don't tell me to calm down.
00:24:31Okay.
00:24:32Thanks for your patience.
00:24:33Hold on.
00:24:37This lady is not having a good day.
00:24:40Well, maybe I can speak to her.
00:24:42You don't want to jump on this.
00:24:44Oh, it's nothing.
00:24:45It's for the fraud department.
00:24:46Let them handle it.
00:24:47No, I think I spoke to her earlier.
00:24:50It's...
00:24:54Okay.
00:24:55Doubt you'll get a survey out of it.
00:24:58Fire away.
00:25:13Hello?
00:25:15Are you there?
00:25:17Hello?
00:25:18Yes.
00:25:19I'm sorry.
00:25:20Good morning, Mrs. Haywood.
00:25:22Hold on.
00:25:23I'll take a look in a minute.
00:25:25Okay.
00:25:26Who is this?
00:25:27The manager?
00:25:29Are you okay?
00:25:29Are you feeling better?
00:25:32What?
00:25:33No, I just thought...
00:25:35Obviously, I'm not okay.
00:25:36I just explained this to the last person.
00:25:39This is Maggie Haywood.
00:25:40Your husband is Nicholas Haywood?
00:25:42We're really starting over?
00:25:44I...
00:25:45I'm sorry.
00:25:46I'm just trying to understand.
00:25:47I thought you were in an emergency.
00:25:49Something with the insurance.
00:25:52What are you talking about?
00:25:57Are you at the hospital now?
00:26:00What?
00:26:00Look, I don't know what's going on.
00:26:03I am locked out of my account.
00:26:05How am I supposed to run my business?
00:26:08Can you help me?
00:26:09Or do you need to transfer me to a manager?
00:26:11Uh, no, I can help you, Mrs. Haywood.
00:26:13It looks like your account's been flagged for suspicious activity.
00:26:17Okay.
00:26:18Well, what does that mean?
00:26:19Well, it's actually completely normal when a sizable transfer has been initiated for the account to be flagged.
00:26:26Hold on.
00:26:28What transfer?
00:26:32There was a withdrawal today with an overdraft.
00:26:38What?
00:26:38By who?
00:26:41Um, it says here your husband called in.
00:26:46He verified the account.
00:26:47I don't understand.
00:26:49When did this happen?
00:26:51Around 1030.
00:26:53That is not possible.
00:26:54He's on a job and off the grid.
00:26:57I should know.
00:26:57I just tried him an hour ago.
00:27:00Is there anyone else that would have access to your account or maybe somebody that you shared your information with
00:27:06recently?
00:27:08No.
00:27:09Have you received any suspicious phone calls requesting your financial information?
00:27:14Do I sound like an idiot?
00:27:17I'm sorry.
00:27:18I understand that this must be really frustrating.
00:27:22I don't want an apology.
00:27:24I just want it fixed.
00:27:27Do I need to come in?
00:27:29No, that's not necessary.
00:27:31I can handle this for you, Mrs. Haywood.
00:27:33Is this the best number for you?
00:27:34My only number.
00:27:36Okay.
00:27:36I'll check the status of the inquiry and I'll get back with you immediately.
00:27:40I promise.
00:27:41So thank you so much for your patience.
00:27:48How did that go?
00:27:50You were right.
00:27:52Bad day.
00:28:05Hey, can you cancel a debit for a secure EFT after it's been initiated?
00:28:10What's the status?
00:28:12In transit.
00:28:13No.
00:28:15But I think you can hold it by putting a suspend.
00:28:20It gets time to process a change request.
00:28:22It expires close of business.
00:28:25Sorry, I don't...
00:28:27What do you mean?
00:28:28Transfer dies out at the end of the day at 5 p.m.
00:28:31if it's still suspended.
00:28:33So, do nothing and it goes away.
00:28:38Bingo.
00:28:51Bingo.
00:28:53It sets off a bunch of alarm bells, though.
00:28:56No, no, no, no, no, no, no, no, no, no, no, no.
00:29:02Oh, no.
00:29:11Hi.
00:29:12Hi.
00:29:12Hi, Debbie.
00:29:13Shannon.
00:29:13I didn't think I'd get through.
00:29:15You've been hard to reach lately.
00:29:17Yeah, yeah.
00:29:17This week, my work schedule, it's just, I don't have a lot of flexibility.
00:29:50Sorry, I know you've been working all their time lately.
00:29:51What does that mean?
00:29:52It says traces of benzodiazepines, possibly from misuse.
00:29:59Uh, that's for my anxiety.
00:30:01I take it like they tell me.
00:30:03The doctors, they said it might show up as a false positive.
00:30:06You know I have to report this, right?
00:30:08Is this something I need to be concerned about?
00:30:11Look, I'm not on one side or another.
00:30:13My job is to do what's best for Dylan.
00:30:17Shannon, are you listening?
00:30:19You sound distracted.
00:30:20Yeah, yeah.
00:30:21No, I'm listening.
00:30:22I don't think you're getting the gravity of this.
00:30:25Everything you do is being watched very closely.
00:30:28Your job stability is the only thing helping you right now.
00:30:32And I don't want your custody of Dylan jeopardized.
00:30:35A child needs his mother.
00:30:37Oh.
00:30:39Yeah.
00:30:40No, of course.
00:30:41Of course.
00:30:42I know you're under a lot of stress, but it's a slippery slope.
00:30:45Everything counts right now.
00:30:47The court favors maximum exposure to both parents.
00:30:50But these things add up.
00:30:52Show up for the next session.
00:30:54Cut back on the meds.
00:30:56Be meticulous.
00:30:57I...
00:30:58I totally understand.
00:30:59There's still time.
00:31:01We'll be okay.
00:31:07Hey, Debbie.
00:31:08Look, I really...
00:31:09I gotta go.
00:31:10Okay?
00:31:10Okay.
00:31:11I'm sorry.
00:31:12Yeah.
00:31:13Don't forget.
00:31:14Yeah.
00:31:28Who is this?
00:31:31It's Nicholas.
00:31:32Remember?
00:31:33You gave me your number.
00:31:35Right.
00:31:39I'm still at the hospital. It's a nightmare. There's a lot going on in the ER, and I'm still trying
00:31:44to get in.
00:31:44Is there something else I can help you with?
00:31:50Well, that's why I'm calling. I haven't seen anything come through on my end. Is that normal?
00:31:55These things take time to process.
00:31:58Is there someone you can talk to? I'm just getting worried, you know?
00:32:02Oh, that's not necessary.
00:32:06You know what? You've already been such a big help. I'm sure you've got other things going on. I'll just
00:32:11call your manager to sort this out.
00:32:12Oh, no, we're working on it. It just might take a little while, but when I find out, I will
00:32:15notify you immediately.
00:32:21Okay. Thanks, Shannon. I trust you.
00:32:42Thank you for calling.
00:32:43Thank you for calling.
00:32:45This is Amelia.
00:32:46Call me up.
00:32:49Sure.
00:32:50Let's go.
00:32:50Let's go.
00:32:51Let's go.
00:33:01This is Amelia.
00:33:03Let's go.
00:33:06Oh, my God.
00:33:34Oh, one more thing.
00:34:04Oh, one more thing.
00:34:32I feel like you're booking your numbers as well.
00:34:35Oh, thank you very much.
00:34:37Dave, can you please take your free pass account?
00:34:42You're good.
00:34:51Yes, our current tax-free savings account is performing above industry standard,
00:34:56and it includes 15,000 miles towards the frequent flyer program of your choice.
00:35:03Great.
00:35:04I will transfer you to that department.
00:35:11Thank you for calling Southwest credit unions.
00:35:15I mean, I...
00:35:20Can I get your passphrase?
00:35:33Thank you for calling Southwest credit unions.
00:35:38Is this Amelia?
00:35:40Oh.
00:35:48I think the phone is on, right?
00:35:50Not really.
00:35:58Sounds good.
00:36:00All right?
00:36:00All right.
00:36:01All right.
00:36:02All right.
00:36:23There you are.
00:36:24God, it's one I couldn't get through.
00:36:26Um, why?
00:36:27What's going on?
00:36:29I was going to ask you the same thing.
00:36:30It's been a few hours.
00:36:32I thought I'd get a call back.
00:36:33Right.
00:36:34No, I did say these things take time.
00:36:37Is that everything?
00:36:38I don't feel good about it.
00:36:40My wife, it's getting worse.
00:36:42Please, if you would just let me do my job.
00:36:47You see how it is?
00:36:51Just another call to you, right?
00:36:53No, no, no.
00:36:53That's not it at all.
00:36:54I'm doing everything I can.
00:36:55I promise I will get back to you.
00:37:00Be careful what you promise, Shannon.
00:37:05Hey.
00:37:08You okay?
00:37:10You seem tense.
00:37:12Yeah, no, um, crazy day.
00:37:17You sure you're all right?
00:37:20You've been on edge.
00:37:22You don't have to do everything alone all the time.
00:37:25I'm here.
00:37:36Hi.
00:37:38Hi.
00:37:43You need to take that?
00:37:49You know what?
00:37:50I'm good.
00:37:51I really appreciate it.
00:37:53But I'm good.
00:37:54I'm good.
00:37:57I'm good.
00:38:30how did you get this number i thought it might help speed things up you gave me a full name
00:38:34i
00:38:35just assumed that's why right what do you want i want to see the transaction go through to my
00:38:42account well the transaction's been suspended what why for suspicious activity and i talked to maggie
00:38:54is she all right stop stop whatever it is that you're trying to do is in direct violation of
00:38:59our customers privacy policy you're serious look impersonating someone is serious it's identity
00:39:05theft you should be more careful then you have no idea what is going on here do you i know
00:39:13that
00:39:13whatever it is you're lying to me and you're lying to your wife is that what your husband did why
00:39:21you
00:39:21left him or were you the liar and he left or is it complicated i don't have time for this
00:39:31i'm just
00:39:32trying to understand the person i'm working with here what do you want it's not about what i want
00:39:39it's about what you can do for me shannon don't call my cell anymore i'd be careful the way you
00:39:46talk
00:39:46to your customers because sometimes customers retaliate what is that supposed to mean
00:39:57the person you are calling is currently
00:40:00the person you are calling is currently
00:40:15thank you for
00:40:17the person you are calling is currently
00:41:10hey do you know any clients that end with ced sorry to bother kidding you still dealing with that
00:41:17woman yeah no no no um i'm just cutting it down for her
00:41:21oh it's um private equity mike's over there he's nice mike desposito i probably have his number
00:41:38tell him i sent you thanks
00:42:07hello
00:42:08hello hey is this mike it is hi it's shannon from customer success corporate uh-oh what'd i do this
00:42:17time
00:42:18no no no i'm not don't worry you're not in trouble um d'amelia referred me to you
00:42:23oh jam how is she tell her we miss her over here
00:42:27yeah she's good i will so i'm looking up an account for a client it got
00:42:32flagged i landed over here okay what's the name that's the thing our computers were down
00:42:40but i was able to jot down but i was able to jot down the account number so what's the
00:42:44account number
00:42:45okay it's uh zero six six zero two nine three one zero nine eight four eight
00:42:51one second okay yep there is no name what it's a limited account that's why it was flagged the pii
00:43:01info is hidden i'm sorry i don't know what that means it means we can't see who initiated it
00:43:06is a temp holding account it's probably going to be gone in a day and you say you talked to
00:43:12them
00:43:12this morning yeah we started the conversation over the phone retail what time 10 34. okay hold on
00:43:20zing i got an address 33 lake wood lane that's the client's address well that's the address on
00:43:26the temporary holding account maybe they're just moving money around and if there's more than one
00:43:30person on the account sometimes those two people don't exactly tell each other everything if you
00:43:34know what i mean have you ever heard of anyone impersonating themselves like they know just enough
00:43:42information but they make sure not to know everything yeah this whole thing's starting to sound a
00:43:47little domestic and you kind of want to be careful with that one time i thought this guy was stealing
00:43:52money from his wife to open the casino and it was not a good week for me so have your
00:43:56ducks in a row
00:43:57before you accuse anyone of fraud all right yeah thanks as long as nobody resumes that transaction
00:44:02before five o'clock tonight that money's not going to go anywhere anyway then you don't have to worry
00:44:06about it i can put a note on it for you no no no no no thank you that that'll
00:44:10be fine you don't need
00:44:11to do that ain't no problem if you need something else for me just let me know tell jam i
00:44:15said hey what's up
00:44:43hello
00:44:46Hi. Is Maggie there? I'm sorry, maybe I have the wrong number.
00:44:52No, you don't. She's just busy.
00:44:56Oh, okay.
00:44:57But she told me to answer her phone. In case, well, something like her bank's messed up or something.
00:45:03Yeah, that's actually why I'm calling. I'm from Southwest Credit Union.
00:45:10Okay, great.
00:45:12Yeah, um, just wanted to let you know we're making progress. It just takes a little time.
00:45:18Okay, well, good. Because she's, like, freaking out.
00:45:22Oh, I'm sorry to hear that.
00:45:24Yeah, she's been like that, just super stressed or something lately.
00:45:28Really?
00:45:32Um, what's going on?
00:45:34Um, I don't know. There's just always something.
00:45:38With your dad?
00:45:42Is he there?
00:45:44Uh, why are you talking about my dad?
00:45:46Oh, no, I'm sorry. It's nothing.
00:45:49This is weird. I think I better go.
00:45:51Yeah, I'm sorry. I'll call back another time.
00:46:00He make an ass of himself?
00:46:03Huh?
00:46:05Mike.
00:46:07Oh, yeah. No, no, no. Sorry. We tracked it down.
00:46:13Did he ask about me?
00:46:19Uh-huh. Um, sorry. I... I've really got to take this. Thanks, though.
00:46:36Hello, Southwest Credit. This is Shannon. How can I help you?
00:46:39That's her.
00:46:39Okay, give me the phone.
00:46:40She was asking me a lot of questions.
00:46:42Willow, let me talk to her.
00:46:43Hello again, Mrs. Haywood.
00:46:45What the hell is going on?
00:46:47Um, thank you so much for being, um, so patient.
00:46:50Why were you talking to my daughter?
00:46:53I was just trying to reach you and was explaining so I could just, you know, speed things up.
00:46:58And was my child able to reinstate my bank account?
00:47:00Um, you know, accounts that are flagged are put on a hold for a day. Then you should be okay.
00:47:05Oh, so I can have my money tomorrow. I still don't understand why this is happening.
00:47:09Have you been able to reach your husband since we spoke earlier? I mean, just to see if he knows
00:47:14anything at all?
00:47:16Why do you keep bringing up my husband?
00:47:19Look, in cases like this, sometimes it gets complicated.
00:47:24Have you maybe come in contact with anyone who's been acting strange or suspicious around you lately?
00:47:30Are we in danger?
00:47:32No, no, no. No, I'm sorry. I'm not trying to scare you.
00:47:35But it seems right now that whoever did this said he was Nicholas.
00:47:41Wait, hold on. You're telling me that someone is impersonating my husband and getting away with it because you gave
00:47:48them access to my bank account.
00:47:50Mrs. Haywood, we do not take this lightly.
00:47:53So please review your statements for any other suspicious activity and change your online passwords and logins.
00:47:59You messed up, but now I have to change my passwords. Where?
00:48:02Everywhere.
00:48:03You have really screwed me up here. I don't need this right now.
00:48:07You're going to receive an email shortly that explains everything, but please don't worry.
00:48:10We're going to make sure this gets resolved for you.
00:48:12Well, that's good because I didn't put myself in the situation. You did.
00:48:18Yes, totally understand. Southwest values you as a customer and we will get through this.
00:48:25And never talk to my daughter again.
00:48:51I totally understand your frustration.
00:48:54Let me take a look to see if there's a different type of account that might be better suited for
00:49:00you.
00:49:00Did you want to add a second?
00:49:01You switched to basic savings.
00:49:03With the investment option, it gives you everything you have now and more.
00:49:08With no minimum.
00:49:08Hello, Southwest Credit. This is Shannon. How are you doing today, Mrs. Miller?
00:49:11Fantastic. Let me break it down for you.
00:49:13Hello, Southwest Credit. This is Shannon.
00:49:15If you don't know, there's a short story.
00:49:18I'm happy to finish it. I'll just take a couple of minutes.
00:49:20Okay. Have a great rest of your day.
00:49:23Hello, Southwest Credit. This is Shannon. Can I have your name, please?
00:49:26Let me take a look to see if there's a different type of account that would be better suited for
00:49:30you.
00:49:30Okay. Well, it looks like I can enroll you in the perks program right now.
00:49:35Oh, well, I'm so sorry to hear about the loan denial.
00:49:37Um, let me review your application and the decision, okay?
00:49:42Hello, Southwest Credit. This is Shannon. May I have your name, please?
00:49:44Hello, Southwest Credit. This is Shannon. How may I help you?
00:49:47Hello, Southwest Credit. This is Shannon.
00:49:49Hello, Southwest Credit. This is Shannon.
00:49:50Can I have your name, please?
00:49:52This is a short story.
00:49:53If you finish everything, it's happening now.
00:49:55I am there.
00:49:56No minimum balance.
00:49:57Hello, Southwest Credit. This is Shannon.
00:49:59Okay. Well, in that case, I recommend allowing us to conduct a comprehensive assessment of your present financial situation.
00:50:05And, sir, if you don't mind, there's a short survey after you can help.
00:50:07After which we can identify the most suitable course of action to address your needs effectively.
00:50:20Hey, Shannon.
00:50:24Are you in a love triangle?
00:50:26What?
00:50:28Sorry. That came out weird.
00:50:29Um, this guy called asking for you.
00:50:32I told him you were on the phone and he hung up on me.
00:50:36I didn't even say anything stupid.
00:50:39I think.
00:50:41Who was it?
00:50:42I don't know.
00:50:44He asked for you or our boss.
00:50:47I tried to follow the training, turn it from a total downer to an upper, but he was a total
00:50:52jerk.
00:50:53If he calls again, just forward it to me directly.
00:50:57Okay.
00:50:58Okay.
00:50:58Nice.
00:50:59Taking it head on.
00:51:36what are you doing i knew you'd call what happened to us shannon i missed your voice
00:51:42what is this do i make you nervous shannon are your hands trembling please what do you want
00:51:51money the bank didn't just run out did it it's not your money it's your wife's
00:51:59that's even who you are but i know about you shannon cooper on valley vesta drive 38 years old
00:52:07if that is your age i mean we all lie about our ages now you'll have to lie about how
00:52:14you
00:52:14gave maggie's husband access to her account to be honest i don't think this looks great for you
00:52:22well why me because you answered the phone shannon and all i had to do was ask and you
00:52:30didn't you'll be arrested you're gonna have me arrest me your own partner when we've been
00:52:39such an amazing team please i just want to do my job well personally i've never had better
00:52:46customer service you've given me everything i need to get my money and there isn't anything
00:52:52you're going to do about it now is there i bet you haven't even reported it have you
00:53:01if i were you i'd be very careful shannon for her sake
00:53:10and for dylan's sake why are you doing this this is criminal
00:53:14you're right i know you're right i know i i do i know how pathetic this is
00:53:24but sometimes i just feel like life's not for me
00:53:31not even worth it
00:53:38how could you
00:53:39how can i do it
00:53:52how can i do it
00:54:06how can i do it
00:54:09how can i do it
00:54:50Shannon, care to explain?
00:54:54I'm sorry?
00:54:55There was an account that was flagged earlier.
00:54:57Why didn't you say something?
00:54:59No, I...
00:55:00You're the face of the company.
00:55:02I know.
00:55:02I mean, I know.
00:55:03I have a call scheduled with them later today.
00:55:05I didn't want to bother you.
00:55:07Okay, let me know how it goes.
00:55:08The call.
00:55:10I'll check back later.
00:55:18Thank you for calling Southwest Credit Union.
00:55:20This is DeMedia.
00:55:21How am I looking?
00:55:24Hi, yes.
00:55:25Hello.
00:55:26I have your account right here.
00:55:27All right.
00:55:28Oh, sure, I can.
00:55:29You want to open up savings?
00:55:30Okay.
00:55:31That's fine.
00:55:34Sure, it will automatically link to your check.
00:55:46This is Christine.
00:55:50Hi, Christine.
00:55:51This is Shannon in retail.
00:55:53I'm calling because someone's having an issue with a transfer.
00:55:57All right, but why are you calling me instead of support?
00:56:00I'm sorry.
00:56:01It says you resumed it.
00:56:03I approve a hundred things a day.
00:56:06This was for a customer, Nicholas Haywood.
00:56:09Okay.
00:56:10Yes, there was a holdup, but we took care of him.
00:56:14The system must have just flagged it automatically.
00:56:16How did you know?
00:56:17Did you speak with him to verify it?
00:56:19Yes.
00:56:20He had the information he needed, including the receipt and the verification code.
00:56:24The money will be released to him at 5 p.m. per protocol.
00:56:28Great.
00:56:29So...
00:56:29It'll be released in a few hours.
00:56:31Are you new here?
00:56:33No.
00:56:34I like your enthusiasm, but there's a chain of command for a reason.
00:56:41Definitely.
00:56:43I just wanted to make sure that nothing was missing, that the customer's happy for our CSET scores.
00:56:53Hold on.
00:56:54I'll be right back.
00:56:57Your business is important to us.
00:56:59Please stay on the line, and one of our associates will be with you shortly.
00:57:04Your security is our number one priority, so this call may be monitored for your safety.
00:57:24Shannon?
00:57:25Yes.
00:57:25Uh, I appreciate your help, and I'll get right back to work.
00:57:29I've got Nicholas on the other line, okay?
00:57:32He was just finishing up.
00:57:33What?
00:57:34Here's a good opportunity for you to show how Southwest cares about our customers.
00:57:41Nicholas, are you there?
00:57:43I am.
00:57:44I've got Shannon on the line.
00:57:46She was concerned and wanted to hear how things went.
00:57:50Hi, Shannon.
00:57:52Sorry to bring you back into this again.
00:57:55That's all right.
00:57:56It's my job.
00:57:57It's more than that.
00:57:58I feel so lucky you were on the other end of the line, willing to go through this with me.
00:58:07Oh, family crisis can be overwhelming.
00:58:10You're right, but we're not out of the woods yet.
00:58:13And thank you for checking in with Maggie.
00:58:17I feel like we have a plan now, and I can see some light at the end, you know?
00:58:24If we could just make it through to the end of the day.
00:58:28But it's so close.
00:58:30Okay, well, I'm sure you'll let us know if you need any more help.
00:58:33We're here, monitoring.
00:58:36Well, I hope you're not there too late.
00:58:40It's soccer today, right?
00:58:41St. Norbert's?
00:58:44No.
00:58:45I mean, how did you...
00:58:46That's right down the road.
00:58:47Maybe if everything gets cleared up, I can make it in person.
00:58:52Thank you personally.
00:58:54Well, we won't keep you any longer.
00:58:56Thanks for taking the time to give us your feedback.
00:59:00I already did.
00:59:01Shannon remembers.
00:59:04I gave her a glowing report on her survey.
00:59:09Did that resolve your issue?
00:59:11Yes.
00:59:13Thanks for your help.
00:59:15Okay.
00:59:16Next time, talk to your manager first.
00:59:18Right.
00:59:22Bye.
00:59:24Bye.
00:59:30Bye.
00:59:40I don't know.
01:00:03Hello?
01:00:04Hey, Shannon.
01:00:05Hey, I... I can't talk right now, I'm sorry, but I was wondering if you could pick up Dylan with
01:00:10Jess today?
01:00:11Is everything okay? You alright?
01:00:12Oh, something came up at work and Joel can't make it either.
01:00:17It's just that...
01:00:17Look, I would not be asking if it wasn't...
01:00:19I just wondered because we haven't really seen you around lately.
01:00:22No, no. No, no, I... I know I don't come around often, but I really miss you guys.
01:00:28Oh, we miss you too, and of course I can get Dylan today.
01:00:31Oh, really?
01:00:32Shannon, if you need help, we're here.
01:00:34Thank you so much. I really appreciate it. You have no idea.
01:00:39Okay, I'm heading out now. I'll call when I've got him.
01:00:41I'm heading out now. I go to the other side of Kyla.
01:00:42Oh, yeah. Give me...
01:00:44Oh, my God.
01:00:45I love you, man.
01:00:46Oh, my God.
01:00:57Oh, my God.
01:01:05Oh, my God.
01:01:30Hello?
01:01:31Mike, hey, it's Shannon.
01:01:33From corporate.
01:01:34Super sleuth.
01:01:35No, no, no, no.
01:01:36It's for the client that I spoke to you about earlier.
01:01:39The shady guy?
01:01:40Well, look, it looks like he's stolen from his wife.
01:01:44You sure?
01:01:45You want to reverse it?
01:01:46Yes, exactly.
01:01:47Yeah, it shouldn't be an issue.
01:01:48Oh, great.
01:01:51But that comes from fraud.
01:01:52I mean, in fact, they do it directly.
01:01:55Right, right.
01:01:56And you're going to want to evidence before you call them, like, the specifics.
01:01:59And it's got to include the client.
01:02:01You don't want to go over someone's head.
01:02:03But she's devastated, and I don't know, maybe she's afraid to talk to her husband.
01:02:07I really don't know, but she absolutely needs our help right now.
01:02:11Hey, okay.
01:02:13So I've got something.
01:02:15Our little friend here is getting antsy.
01:02:17He already put in an automatic transfer request for this evening.
01:02:20And you can't stay anonymous if you transfer your ill-gotten cash into an account with your actual name on
01:02:25it.
01:02:26Is it Nicholas Haywood?
01:02:28No.
01:02:30It's a Steve Wilson.
01:02:33Wait, who?
01:02:36That's not Maggie's husband.
01:02:39Well, whoever it is, he wants that money the second it's released.
01:02:42He's your guy.
01:02:43Oh, my God.
01:02:44Oh, my God.
01:02:45Thank you so much.
01:02:46I owe you big time.
01:02:48Good luck.
01:02:50And be careful, okay?
01:02:52Yeah, thank you.
01:03:02Hello?
01:03:03Hi, Mrs. Haywood.
01:03:05What is going on with my account?
01:03:07Has the bank figured this out?
01:03:08Not yet.
01:03:08I, um, I do have a question for you.
01:03:12Really?
01:03:13You need more from me.
01:03:14Look, I know, but, um, do you happen to know someone's name Steve Wilson?
01:03:24Steve?
01:03:26Well, it looks like he may have been involved in the attack on your account.
01:03:31What?
01:03:33He attacked my account?
01:03:35I'm so sorry.
01:03:37Is there anything that you can tell me for the dispute?
01:03:41Um, yeah.
01:03:44I know Steve.
01:03:47He's Willow's dad.
01:03:49He's unstable.
01:03:51And a liar.
01:03:52You never know what he's going to do next.
01:03:55He is unsafe.
01:03:57It's why we left him.
01:03:59We had to get an order.
01:04:01We finally have some stability in our lives.
01:04:04I just, I can't believe he's coming after us again.
01:04:06Um, I'm so sorry.
01:04:10Um, I didn't...
01:04:11You have no idea what he is capable of.
01:04:12If you are sure it's him, you should steer clear for your own safety.
01:04:19Um, I'm going to alert security right now.
01:04:22And someone from the bank will be reaching out to you once they start the investigation.
01:04:27Don't involve us, please.
01:04:29Keep my family out of it.
01:04:31I'm sorry, but I can't.
01:04:34Willow and I can't ever see him again.
01:04:38Yeah.
01:04:39I'm so sorry.
01:04:52I'm so sorry.
01:05:08I'll have to do this.
01:05:08I'll have to do this.
01:05:16I don't know.
01:05:58Hello, fraud department.
01:06:00Hi, this is Shannon in retail.
01:06:02I need to make a report.
01:06:04Okay, is this an existing account or new?
01:06:06New.
01:06:07Who's the client?
01:06:09Maggie Haywood.
01:06:10Okay, can you summarize the situation?
01:06:13Okay, um, the client, well, her husband called in this morning and he said that she was in
01:06:19an accident and needed access to an account, but it looks like it was identity fraud.
01:06:24Slow down, slow down.
01:06:25There are a lot of notes on this account.
01:06:28It also went to Christine.
01:06:31The husband's name is in here.
01:06:32It wasn't the husband.
01:06:34It's someone else named Steve Wilson.
01:06:37He made an attempt on the account and I tried to put a hold on it, but somehow he was
01:06:41able
01:06:41to reverse it.
01:06:41I don't know.
01:06:42Why didn't you send this here when it first happened?
01:06:45This would have been a lot easier if we stopped it electronically the first time.
01:06:49But I...
01:06:50I'm freezing all the accounts.
01:06:52And given the situation, it'll be weeks until we know if it's fraudulent or made an error.
01:06:58It wasn't an error.
01:07:00He did this to her.
01:07:02For your sake, I hope it's an error and not conspiracy to commit fraud.
01:07:07Conspiracy with who?
01:07:08I would never do...
01:07:09Well, that's why we have procedures in place.
01:07:12Not knowing isn't a defense.
01:07:14But...
01:07:15I know, but I...
01:07:16Have you spoken with your manager yet?
01:07:18No, no, not yet, but I have been trying to...
01:07:21We'll go through the call logs and fill out a proper report.
01:07:25Report?
01:07:26Open an investigation.
01:07:28You'll be questioned and there'll be a deliberation process.
01:07:30No, no, no, no, no, no.
01:07:32Wait, wait, listen.
01:07:33You have to understand that this...
01:07:35Will be in touch.
01:07:56Hey!
01:07:57How did the pickup go?
01:07:58Is Dylan okay?
01:08:00Dylan's not with you.
01:08:01What?
01:08:02No!
01:08:03Yeah, Jen said he wasn't outside.
01:08:05She thought Joel picked him up.
01:08:06What?
01:08:07No, no, no, no, no.
01:08:08Joel can't...
01:08:08That's why I asked you.
01:08:10God, I'm sorry.
01:08:11I'll swing back around, okay?
01:08:12Right now.
01:08:13Okay, now.
01:08:14Yeah.
01:08:15I'll call when we get there.
01:08:16Okay.
01:08:25Joel, did you pick up Dylan?
01:08:27No.
01:08:27No.
01:08:28We talked about this.
01:08:29I know.
01:08:29I asked Jess's mom to...
01:08:31No, I don't know.
01:08:31Call her.
01:08:32I did.
01:08:33What are you yelling at me for?
01:08:34I told you I couldn't pick him up.
01:08:35I know, I know.
01:08:36Can you just...
01:08:36You want me to call the police?
01:08:38The FBI?
01:08:39The CIA?
01:08:39Are you listening to me?
01:08:40Our son is missing!
01:08:42Do you hear me?
01:08:43Because you do this all the time, Shannon.
01:08:45You call me overreacting like everything's the end of the world.
01:08:49For God's sake, you sound crazy.
01:08:52I am not crazy.
01:08:55You are just useless.
01:08:57And you can forget everything about mediation.
01:08:59I am done.
01:09:01And I'm going to go find Dylan.
01:09:02Speak twice before you start making...
01:09:20There you are.
01:09:23What's going on?
01:09:24I just received a call from the fraud department, Shannon.
01:09:29I'm sorry.
01:09:30I can't explain everything, but...
01:09:32We need to talk about this now, Shannon.
01:09:34Now.
01:09:36I'm sorry.
01:09:38Shannon.
01:09:39If you leave now, you're fired.
01:09:44Come on, please.
01:09:46Come on, now.
01:09:48Yeah?
01:10:05I scared you.
01:10:08What are you doing here?
01:10:09How did you get here?
01:10:11What?
01:10:11All the way from school?
01:10:14What?
01:10:15Didn't Jess's mom tell you that she was going to pick you up?
01:10:18I'm so glad that you're okay.
01:10:21Are you okay?
01:10:23Yeah.
01:10:24Why wouldn't I be?
01:10:30I'm so sorry no one was there to pick you up.
01:10:32It is never going to happen again.
01:10:33I promise.
01:10:35Mom, why are you crying?
01:10:38It's nothing.
01:10:45Mom, I have to pee.
01:10:47Mom, I have to pee.
01:10:47Yeah, sure, honey.
01:10:48No problem.
01:10:49Let's go inside.
01:10:51Let's go inside.
01:11:11Go ahead, honey.
01:11:12It's down there.
01:11:13Bye now.
01:11:35You know, when a door closes, you, um, this is the way, yeah.
01:11:52Hey, I'm sorry, but it's not your fault.
01:12:05Dylan is sprouting up.
01:12:19I'll be right back.
01:12:21I'll watch him.
01:12:31Can I come in?
01:12:33Now you have time.
01:12:38I'm sorry for running out.
01:12:41This morning, I thought that somebody was in real trouble and I thought that I could
01:12:45help.
01:12:46But it turned out to be some elaborate scheme by her ex-husband.
01:12:50I was wrong.
01:12:51I panicked.
01:12:53I broke protocol.
01:12:54I didn't want to lose my job.
01:12:56Well, the job is protocols.
01:12:58We're not marriage counselors.
01:12:59This is a credit union.
01:13:02I don't know what you want me to do.
01:13:03I was scared.
01:13:04You have to believe me.
01:13:06He was threatening that he would do anything.
01:13:08I mean, he was going after Dylan.
01:13:09Why wouldn't you come to me?
01:13:11And that's why we have a department that handles that.
01:13:13It was a mistake.
01:13:14It was a lie.
01:13:16You lied to my face more than once.
01:13:18I know.
01:13:19I know.
01:13:20And I am sorry.
01:13:22Well, why should I believe anything that you say to me now?
01:13:24Because I would do anything to make this right.
01:13:26I mean, you have to believe me.
01:13:27I am telling you the truth now.
01:13:29Fraud is a felony.
01:13:30You're lucky you don't go to jail for this.
01:13:34Don't you have anything else to say for yourself?
01:13:37No.
01:13:40No, you're right.
01:13:42I'm wrong.
01:13:43I was totally wrong.
01:13:46I have not been in a good place.
01:13:50And I thought that if I tried harder,
01:13:53that everything would work out.
01:13:56But no matter how much I try,
01:13:58or even walk away,
01:14:00I always fall short.
01:14:03At work.
01:14:04In my marriage.
01:14:06With Dylan.
01:14:10Look, what I mean to say is, um,
01:14:14I really appreciate the opportunity you gave me.
01:14:37Hey, little man.
01:14:39You running this place?
01:14:43You want a candy?
01:14:44I would love candy.
01:14:47I'm here to meet Shannon.
01:14:49Is she still around?
01:14:50My mom?
01:14:51Is that so?
01:14:54Well, it'll all come out in the investigation.
01:15:01Please pack up your things.
01:15:15I mean, my bully had to go.
01:15:17He's a big smile.
01:15:18He's kind of sad.
01:15:20And he never wants to give him back.
01:15:21And he's disgusting.
01:15:24Dylan?
01:15:26Honey, what are you doing?
01:15:33Shannon.
01:15:36Do I make you nervous?
01:15:38Because you answered the phone.
01:15:39You've given me everything I need
01:15:41to get my money.
01:15:42If I were you,
01:15:43I'd be very careful, Shannon.
01:15:45Sometimes customers retaliate.
01:15:48Retaliate.
01:15:48Retaliate.
01:15:49Retaliate.
01:15:51Dylan, please come here.
01:15:53Honey, please.
01:15:53It is so good to finally meet.
01:15:56I'm sorry.
01:15:57I'm sorry.
01:15:57You remember?
01:15:58We talked earlier today.
01:16:00I was having trouble with my wife's account
01:16:02and wanted to make sure I took care of it
01:16:04before 5 p.m.
01:16:09We're closed.
01:16:11It's a shame.
01:16:12I just came all the way down here.
01:16:16Maybe we can find the place to talk in private.
01:16:21Your boy could come.
01:16:22I don't mind.
01:16:24Oh.
01:16:25Honey, why don't you go, um, with Jamelia?
01:16:28I'm just gonna handle a quick work thing.
01:16:58You know, people look different
01:17:00when you meet them in person.
01:17:05You look nice.
01:17:07Stay away from my family.
01:17:09I actually tried with you people.
01:17:12I just knew that you would cooperate
01:17:14when you answered.
01:17:16And you made it really easy for me.
01:17:18And you did that easier.
01:17:19And Albert thought,
01:17:21you don't know when to quit.
01:17:23I want my money.
01:17:24You stole from her?
01:17:27You helped me.
01:17:28The bank records all the phone calls.
01:17:30You mean the ones where you unlocked my wife's account?
01:17:34Where you admit you did it?
01:17:37How will you explain what you were up to
01:17:39with Maggie's husband?
01:17:41The first thing I'll tell them
01:17:43is that you're not Maggie's husband anymore.
01:17:46Are you, Steve?
01:17:49I'm just trying to figure out
01:17:50what kind of person I'm dealing with.
01:17:54You have no idea
01:17:57what you're talking about.
01:18:00She took everything from me.
01:18:02It's always her side of the story.
01:18:04This guy gets to replace me?
01:18:05Live my life?
01:18:08Uh-uh.
01:18:09This morning, I did everything I could to help you
01:18:11and your wife.
01:18:13Because that's what people do.
01:18:15You know what it's like to have a felony?
01:18:17To make a stupid mistake when you're young?
01:18:20To be a man in a divorce?
01:18:22She used everything against me.
01:18:26You see me here, like this.
01:18:28That is my fair share.
01:18:30I am entitled to that money.
01:18:33Do you really think you're gonna get away with this?
01:18:36Don't you realize that you're just making things worse?
01:18:40I don't think so.
01:18:44The reality is...
01:18:47Nobody cares.
01:18:48I care.
01:18:49Nobody cares.
01:18:51And you care, Shannon.
01:18:54People like us.
01:18:56We end up in the same place.
01:19:00I am nothing like you.
01:19:04If you do not do what you are told,
01:19:08you will be implicated in a felony.
01:19:11You will be fired.
01:19:15How is it going to feel when you lose your son?
01:19:19How?
01:19:28Shannon, what's going on?
01:19:30And I'm sorry, who is this?
01:19:33This woman, she set me up.
01:19:35I don't know what her plan was.
01:19:37She's frozen my accounts.
01:19:39She's screwed with my family.
01:19:40She's desperate.
01:19:41She's trying to steal money and pin it on me.
01:19:43She has been stalking me all day, threatening me.
01:19:47She's lying to everyone.
01:19:48She's lying to you.
01:19:49She's lying to my family.
01:19:51Okay.
01:19:52You gotta help me here.
01:19:53Okay.
01:19:55Let's just stay calm.
01:19:56Okay?
01:19:58She needs to be fired.
01:20:03I've already been fired.
01:20:05And I wasn't the one to stop the transaction.
01:20:07It was the fraud department.
01:20:08You.
01:20:10You.
01:20:11They know everything.
01:20:12All about you.
01:20:14And so does Maggie.
01:20:16And Will.
01:20:18They know what you tried to do.
01:20:24You.
01:20:25You.
01:20:26You.
01:20:26She's lying.
01:20:28You can't do this to me.
01:20:29I want to call security.
01:20:31No!
01:20:32No!
01:20:33No!
01:20:33No!
01:20:34No!
01:20:35No!
01:20:36You!
01:20:36No!
01:20:38No!
01:20:38No!
01:20:39No!
01:20:40No!
01:20:40No!
01:20:41No!
01:20:41No!
01:20:42No!
01:20:43No!
01:20:44No!
01:20:47No!
01:20:48Oh, my God.
01:21:31It'll be okay.
01:21:57Shannon.
01:22:01I spoke to the officer.
01:22:03They're going to want a statement from you, too, but I told him we can wait till tomorrow.
01:22:08Are you okay?
01:22:11Are you?
01:22:12Yeah.
01:22:15I'll need you to sit down.
01:22:18Maybe next week.
01:22:21Okay.
01:22:23I'll help if I can.
01:22:32So, Dylan, you know, you're growing up now, and there's something that I want to tell you.
01:22:41Your father and I, we might have to make some decisions, but I just want you to know that
01:22:46no matter what happens, we're always going to love you, okay?
01:22:50I know that.
01:22:56Can we get ice cream and fries?
01:22:59Whoa, that is quite the combo.
01:23:02What did you have at school?
01:23:04I mean, I had my dessert, but it's small, and...
01:23:08Oh, someone took it again?
01:23:11No.
01:23:13Told me to say something.
01:23:34I don't know.
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