1. OP should have never started this thread without including the "evidence".
2. OP has no proof of any kind "Vivian the criminal" altered his check - what she may or may not know or care to find out about who did it is very much a far cry from committing the criminal act of forgery - this thread title and thread starter were not appropriate at all.
3. It appears someone may have. 3.3% was the fee for credit card payments, so maybe some dummy that was putting a deposit together did that (okay, real idiot, lol) - may not have been legal, but likely not part of some scheme to defraud someone out of $4.62 - still wrong.
4. If OP didn't get that rectified by the bank and he has said nothing about that issue, it's HIS OWN FAULT. The only possible reason is he let some legally binding time pass (or just didn't bother to find out if he was told that it did, whether that was a fact). Totally his fault, or he would absolutely have his $4.62 and likely the other $140 since the instrument was altered.
5. The "I didn't catch it because I was looking for $140" is a little embarrassing. You look for the check number, you look for the payee, you actually look at your statement when you get it and reconcile your account.
6. OP finally says he really didn't catch it until sometime in February - makes little sense, but seems to me you take your lumps over losing $4.62 and also the $140.00 by not apparently taking this up with the bank in a timely fashion, if at all, rather than call someone a forger when you absolutely don't have the proof she did it.
Poor personal financial practices leading to an anonymous attack on an Internet forum, some people like that sort of thing.
She may owe a lot of people money and not be paying it, but that really doesn't excuse the accusation that has been walked back quite a bit by the OP.