# AI incidents at Hilltop Holdings

Source: https://www.bankingnewsai.com/banks/hilltop/ai-incidents
Last updated: Oct 21, 2026

## Has Hilltop Holdings had a publicly reported AI incident?

Yes: 1 publicly reported AI incident on record since January 2022.

| Date | Institution | Incident | AI? | Role | Category | Severity | Status |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Nov 5, 2024 | PlainsCapital Bank (Hilltop Holdings) and Pathward, N.A. | [PlainsCapital Bank customer sues after an alleged AI voice clone redirected a $20,000 transfer](https://www.bankingnewsai.com/ai-incidents/hilltop-2024-voice-clone-wire-lawsuit) | AI (stated) | AI used against the institution | Voice clone | 2/5 | Court filing |

### PlainsCapital Bank customer sues after an alleged AI voice clone redirected a $20,000 transfer

A Houston businessman alleges that on 5 November 2024 criminals hacked his email and used artificial intelligence to clone his voice, persuading his accountant to send a routine transfer of more than $20,000 from PlainsCapital Bank accounts to an account at Pathward, N.A., according to FOX 26 Houston and the federal court record. He filed a pro se suit against both banks in June 2025, alleging PlainsCapital knew criminals were cloning voices and failed to warn him. The Southern District of Texas dismissed the claims in July 2025. In August 2026 the Fifth Circuit affirmed that the PlainsCapital claim must go to arbitration and that the Pathward claim fails, but vacated the dismissal of the PlainsCapital claim and remanded. No forensic confirmation of the voice clone has been reported.

https://www.bankingnewsai.com/ai-incidents/hilltop-2024-voice-clone-wire-lawsuit

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