On the 04 Optima 4 cyl.
The outer belt runs the Alt>Water Pump>Crank
The inner belt runs the A/C>P/S>Crank.
If a belt jumps a notch, then it has to be loose.
As for the original post, it is VERY possible that the locking bolt for the alternator or Power Steering pump is not being tighted down.
There are two bolts involved when tightening belts.
The Alternator has a tension bolt, this bolt pulls the Alt out, thus tightening/providing tension on the belt. Then there is a lockdown bolt. This keeps the alternator/power steering pump in one place.
If the lockdown bolt is not tightened down, this will over time allow the long tension bolt to loosen, letting the belt slap around and get torn up.
Just one of dozens of possibilities.
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