Saginaw, Michigan: a credit union CEO used ChatGPT to put herself and family members in 'Lake America' sweatshirts in a photo taken before a trip to Halifax; after her sister reposted it publicly without its AI label she says she received death threats and the family came home early, and on 23 September 2026 the credit union said she was no longer employed
The chief executive of Family First Credit Union in Saginaw, Michigan, told WJRT (ABC12) that before boarding a flight to Halifax, Nova Scotia, on 11 September 2026 she and family members took a photo and put it through ChatGPT to show them wearing 'Lake America' sweatshirts, a joke about the US president's order renaming Lake Ontario. She posted it to her private Facebook page with a marker saying it contained AI content; her sister reposted it publicly without the marker while they were in Halifax, and it spread in Canada as if the family had worn the shirts. The backlash concerned the image's political message; she said she would understand the anger of anyone in Halifax who thought the family had walked in wearing those sweatshirts. She said she was getting death threats and the family returned early; by 16 September she was back in the US. She called the post poor judgment, said she would not use AI again and that AI 'can make people think something's real that's not'. On 23 September the credit union said she was no longer an employee, effective immediately; it has not said whether she resigned or was dismissed, or why.
- AI system
- ChatGPT
- OpenAI (ChatGPT, per the former CEO's account)
- Occurred
- 11 Sept 2026 to 23 Sept 2026
- Reported
- 16 September 2026
- Event location
- United States, Canada
- What the AI did
- Depicted or impersonated the person
- Reported harm
- Professional HarmReputational HarmPsychological Distress
- Whose AI use
- Their own AI use
- Setting
- Work · Everyday life
- Evidence
- AI involvement reported · Causal attribution unclear · 5 sources, 1 underlying account
- 4 claims: 4 reported. 4 open questions
- People reported harmed
- At least 1 person
AI system as recorded: ChatGPT, used by the executive to alter a family photo so that the people in it appeared to wear 'Lake America' sweatshirts (her account to WJRT)
What Happened
WJRT-TV (ABC12) interviewed the executive for a report published on 17 September 2026 after a first broadcast on 16 September. She said the family was leaving on 11 September for a planned ten-day trip to Halifax and talked about the president's order renaming Lake Ontario; they 'snapped a quick picture and put it through ChatGPT to see what it would look like if they were wearing Lake America sweatshirts'. Banking Dive, relaying the interview, says the photo was taken at a departure gate at Detroit airport. She posted the altered image to her private Facebook page, in what WJRT reports she describes as a poor-judgment attempt at humour, with a marker saying it contained AI content. Her sister, who was on the trip, reposted a screenshot publicly without the marker: 'We were in Halifax at the time. We never had actual sweatshirts. We never wore sweatshirts.' Banking Dive reports the caption 'Like our sweatshirts? Not sure Canada will. Lol lol'; hostile comments from Halifax residents followed on Instagram and Facebook posts sharing the image. WJRT reports that the family returned early on a Tuesday because she said she was getting death threats; Banking Dive says she was back in the US by the 16 September broadcast, and CBC reported that Halifax District RCMP would not confirm any investigation. In a statement to WJRT she called the image 'insensitive, distasteful and in poor judgment'. She told WJRT she would not use AI again and that 'the AI can be dangerous in the fact that it can make people think something's real that's not.' The credit union told WJRT the post was unacceptable and made in her personal capacity. On 23 September WJRT reported the board's announcement that she was no longer an employee, effective immediately; the board told CBC that state law bars it from discussing the circumstances. Commenters objected to the image's political message; how far the missing label contributed to the reaction is not established.
Reported harm
After the ChatGPT-altered photo circulated without its AI label, she says she received death threats and the family cut the trip short; her employer then announced she was no longer employed, without saying why or whether she resigned (her account to WJRT; board statements via WJRT and CBC).
Outcome
ResolvedThe credit union first said the post was unacceptable and made without its authorisation or knowledge (statement to WJRT, via Banking Dive), and its board told WJRT it 'disapproves and rejects' the post (via CBC). On 23 September 2026 the board chair and the chief operations officer announced that she was no longer an employee, effective immediately, with the COO as interim CEO (WJRT); the credit union later apologised to members. The board told CBC it is legally prohibited from discussing the circumstances under section 381 of the Michigan Credit Union Act; neither she nor the credit union has said whether she resigned or was dismissed.
What remains unknown
- Whether she resigned or was dismissed, and the board's reasons.
- The nature and senders of the reported death threats, and whether any were reported to police.
- How far the missing AI label, as opposed to the image's political message, drove the reaction.
- Whether the relatives in the image suffered consequences beyond the curtailed trip.
What the evidence supports
AI involvement: reported. She says she put a family photo through ChatGPT so that she and her relatives appeared to wear 'Lake America' sweatshirts they never wore (WJRT). The AI output depicted real people in clothing they did not wear. The backlash was directed at the image's political message; she chose that content, her sister removed the AI label when reposting, and the employer's decision and reasons are its own. The AI's role is generating the realistic image.
4 claims: 4 reported. What the statuses mean
Reported She says that before boarding a flight to Halifax on 11 September 2026 she and family members took a photo and put it through ChatGPT to show them in 'Lake America' sweatshirts, posted it to her private Facebook page with an AI marker, and that her sister reposted it publicly without the marker while they were in Halifax; they never wore such sweatshirts.
Causal attribution. Her own account to WJRT; the original post and label were not inspected.
- abc12.com(opens in new tab) supports · English
'snapped a quick picture and put it through ChatGPT to see what it would look like if they were wearing Lake America sweatshirts.'; 'with a marker saying it contained AI content.'; 'reposted it publicly without that marker.'; 'We were in Halifax at the time. We never had actual sweatshirts. We never wore sweatshirts.'
- abc12.com(opens in new tab) supports · English
'snapped a picture before boarding a flight to Halifax, Nova Scotia on September 11. They then put that image into ChatGPT to make a post in jest of President Trump's executive order to rename Lake Ontario.'
Reported She says she was getting death threats and the family returned from Canada early.
Causal attribution. Her account to WJRT, relayed; the threats are not described or independently confirmed, and Halifax District RCMP would not confirm any investigation.
- abc12.com(opens in new tab) supports · English
'The family returned early on Tuesday because'; 'said she was getting death threats.'
- cbc.ca(opens in new tab) supports · English
'her family returned to Michigan early because they were receiving death threats, but didn't elaborate.'; 'which said they can't confirm whether any individual or organization is associated with a police investigation'
- bankingdive.com(opens in new tab) supports · English
'noting that she had received death threats.'
Reported On 23 September 2026 the credit union announced she was no longer an employee, effective immediately; it has not said whether she resigned or was dismissed, and its board says state law bars it from discussing the circumstances.
Causal attribution. The credit union's statements; the link between the image and the departure is drawn by the outlets, not stated by the employer.
- abc12.com(opens in new tab) supports · English
'is no longer an employee of Family First Credit Union, effective immediately,'; 'left of her own accord or if she was fired by the organization.'
- cbc.ca(opens in new tab) supports · English
'it is legally prohibited from discussing the circumstances surrounding'; 'under section 381 of the Michigan Credit Union Act.'
- bankingdive.com(opens in new tab) supports · English
'nor did it say whether fallout from the viral post was the reason for'
Reported She said she would not use AI again and that AI can be dangerous because it can make people think something is real that is not.
Causal attribution. Her own statement to WJRT.
- abc12.com(opens in new tab) supports · English
'said she won't be using AI again.'; 'I think the AI can be dangerous in the fact that it can make people think something's real that's not,'
Sources
5 sources inspected, from 1 underlying account. Sources that repeat one account do not corroborate each other.
- WJRT (ABC12), 17 September 2026: Saginaw CEO in viral 'Lake America' post voices AI concerns(opens in new tab)
s1 · abc12.com · Local tv news · English · Inspected · 17 September 2026 · Shares an underlying account with another listed source · Primary
- abc12.com(opens in new tab)
s2 · Local tv news · English · Inspected · Shares an underlying account with another listed source
- cbc.ca(opens in new tab)
s3 · News report · English · Inspected · Shares an underlying account with another listed source
- cbc.ca(opens in new tab)
s4 · News report · English · Inspected · Shares an underlying account with another listed source
- bankingdive.com(opens in new tab)
s5 · Trade press · English · Inspected · Shares an underlying account with another listed source
How the sources were read, and where the events happened
Read on 2026-09-28 from an Internet Archive capture (WJRT/ABC12, published 17 September 2026); abc12.com returns 451 to this host. The original interview report. Applies to s1.
Read on 2026-09-28 from an Internet Archive capture (WJRT/ABC12, 23 September 2026); quotes the board chair's and COO's joint statement. Applies to s2.
Read live on 2026-09-27 (CBC News, 24 September 2026); body re-used on 2026-09-28. Quotes an emailed board statement to CBC. Applies to s3.
Read live on 2026-09-27 (CBC News, 18 September 2026); body re-used on 2026-09-28. Relays the ABC12 interview; reports the Halifax District RCMP response. Applies to s4.
Read live on 2026-09-27 (Banking Dive, 25 September 2026); body re-used on 2026-09-28. Relays the WJRT interview and the credit union's statements. Applies to s5.
Event countries: United States, Canada. Affected-person countries: United States. Court countries: Unknown.
The photo was taken and altered before boarding a flight to Halifax (WJRT; Banking Dive places it at Detroit airport); the public repost was made while the family was in Halifax, Nova Scotia (WJRT: 'We were in Halifax at the time'), where the backlash centred; the executive and the credit union are in Saginaw, Michigan. No court proceeding.
Reviewed for publication 2026-09-28: Published under the 2026-09-15 charter as an own-use depiction case: she used ChatGPT to produce a realistic image of herself and relatives in clothing they never wore; after it circulated without its AI label she reported death threats and her employment ended. The controversy concerned the image's political content, and the employer gives no reason, so causation is recorded as unclear. She is not named here although she is named in all coverage.
People described
The then-chief executive of Family First Credit Union, Saginaw, Michigan (named in coverage and interviewed; not named here); family members also appear in the altered image
People reported harmed in this case
At least 1 person
1 AI participant · 0 other people harmed
Additional affected people are described without a reliable count.
One person counted: the executive, who used ChatGPT, says she received death threats and lost her job (WJRT; credit union statements). CBC's 18 September report says the family returned early because 'they' were receiving threats, but no number of relatives harmed is stated, so they remain unquantified.
Counted once within this case. The same person may appear in other cases. This count does not establish AI causation.
Cite this case
Compiled per our published methodology: verification statuses, sourcing standards, and corrections process.
APA
NOPE. (2026). Saginaw, Michigan: a credit union CEO used ChatGPT to put herself and family members in 'Lake America' sweatshirts in a photo taken before a trip to Halifax; after her sister reposted it publicly without its AI label she says she received death threats and the family came home early, and on 23 September 2026 the credit union said she was no longer employed. AI incidents. https://nope.net/incidents/2026-saginaw-michigan-credit-union-ceo-chatgpt-lake-america-image-job-loss
BibTeX
@misc{2026_saginaw_michigan_credit_union_ceo_chatgpt_lake_america_image_job_loss,
title = {Saginaw, Michigan: a credit union CEO used ChatGPT to put herself and family members in 'Lake America' sweatshirts in a photo taken before a trip to Halifax; after her sister reposted it publicly without its AI label she says she received death threats and the family came home early, and on 23 September 2026 the credit union said she was no longer employed},
author = {NOPE},
year = {2026},
howpublished = {AI incidents},
url = {https://nope.net/incidents/2026-saginaw-michigan-credit-union-ceo-chatgpt-lake-america-image-job-loss}
} Related cases
Google AI Overview reportedly described fiddler Ashley MacIsaac as a convicted sex offender, and a concert was cancelled
In December 2025 Cape Breton fiddler Ashley MacIsaac said a First Nation north of Halifax cancelled his concert planned for 19 December after reading a Google AI-generated search summary that said he had convictions for sexual offences. He says the statements were false and came from online articles about another man in Atlantic Canada with the same last name. The First Nation apologised in writing and Google amended the search results. MacIsaac says he feared for his safety and worries about other lost work. In a statement of claim filed in February 2026 in the Ontario Superior Court of Justice he seeks damages of 1.5 million from Google (US dollars in the Globe and Mail copy of the Canadian Press story, no currency stated in the CBC copy). None of its claims has been tested in court, and the claim says Google did not admit responsibility.
US and UK: Hachette cancels the US edition of the novel Shy Girl and discontinues the UK edition after allegations it was AI-generated, with the author denying personal use of AI
On 19 March 2026 Hachette Book Group said it had cancelled the US publication of the horror novel Shy Girl by Mia Ballard (Orbit imprint) and would not continue the UK edition (Wildfire imprint, first released in November 2025). Reports say the decision followed an investigation by Hachette and came a day after the New York Times asked the publisher about online allegations that the text was largely AI-generated. The allegations came from readers on Goodreads, Reddit and YouTube and from AI-detector results, including a 78.4 percent AI-generated score on the Pangram detector that a publishing consultant says two other services confirmed. Ballard denied personally using AI in emails to the New York Times and the Wall Street Journal, and told the New York Times that an acquaintance hired to edit the original self-published version used AI. Ballard wrote that "my name is ruined" and "my mental health is at an all time low", and said legal action was being pursued. Hachette’s public statements cite its commitment to original creative expression. The sources inspected do not report what its investigation found. Whether AI generated any of the text, and who used it, is unresolved.
Jacksonville, Florida: a 38-year-old father was arrested at work in May 2025 and charged with soliciting a child after sheriff's investigators identified him, he says with facial-recognition tools, from photos an impostor had sent to an undercover officer; charges were dropped in August 2025 after the real sender confessed, and the family says the ordeal cost $45,000
The Florida Trib (28 September 2026, republished by the Florida Phoenix) reports that in May 2025, during the multi-agency sting Operation Rescue Our Children, a man using the Skout dating app sent an undercover officer posing as a 13-year-old girl two photos of someone else: a former friend, a supermarket assistant manager and father of two whom the Trib calls 'Nick'. Investigators told him they relied on facial-recognition tools to identify him in the pictures, he recalled, and the Trib found no indication in court documents of other investigative work before his arrest. He was handcuffed at work, charged with soliciting a child via computer and unlawful use of a two-way communications device, spent a night in jail, wore an ankle monitor, was barred from contact with his two young children for a month and a half and could not live at home for nearly three months. The account's owner, a man with a prior conviction for the same offence, admitted on 31 July 2025 using the photos; charges against the father were dropped the next day and a judge ordered the case expunged on 4 August 2025, though the records stayed publicly online for more than a year. The family says the ordeal cost $45,000 in lost wages and legal fees and traumatised the children. The sheriff's office did not respond to the Trib's questions.
Portland, Oregon: an anonymous social-media account posted 17 racist and anti-immigrant images targeting David Douglas High School football players and their coach, some digitally altered including with AI, from 22 September 2026; the school reported content to Portland police
David Douglas High School in Portland warned families in a statement reported on 28 September 2026 about social-media posts targeting its students, athletes, coaches and staff, saying some images and videos had been digitally altered, including with AI, and did not accurately represent those depicted; it reported some of the content to the Portland Police Bureau. KATU, which reviewed the account, reports 17 posts using racist, anti-immigrant and religious stereotypes against football players: one image shows a Latino player in a sombrero being detained by people labelled as ICE agents, another shows a player in a head covering with what appears to be a fake explosive vest, and a Black player is depicted beneath a caption referring to George Floyd. The head coach said students were hurt, and that one student texted him over the weekend after seeing one of the posts: 'Coach, this is terrible. What do I do?' The account references Rex Putnam High School, whose team David Douglas played on the Friday before the report; which along with its district says it has no connection to it. Who runs the account and which images were AI-generated are not reported.
If you or someone you know is struggling, free and confidential support is available. Find a helpline near you at Signpost.