Investigators gathered statements, requested records, and compared electronic filings with originals.

There were no dramatic midnight raids, no instant confessions delivered under a spotlight.

Eventually, we learned that the lender had suspended processing of the disputed loan while reviewing the application.

Its records showed that an uploaded identification document had been altered and that certain verification steps had been completed using a phone number Ruth did not recognize.

Separate account records documented money moving between the charitable fundraising entity and a business account controlled by Wendell.

Invoices for work supposedly completed at three veterans’ homes did not match statements from the residents or contractors.