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Medium reported severity Internal Action

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

Resolved

The 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.

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}
}

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