In September 2026, a homebuying couple in West Michigan wired $66,000 in closing funds to a fraudulent account after receiving a phone call and email that appeared to come from their mortgage professional. Fraud-prevention firm CertifID determined the scam combined AI voice cloning with spoofed caller ID and a lookalike email address. The fraud was discovered on closing day when the title company confirmed the funds had never reached the legitimate escrow account.