April 8, 2025 | JacobiJournal.com — Women Charged With Fraud: A routine stolen vehicle report took a surprising turn on March 21, when authorities discovered a partly submerged SUV in the Mississippi River—the same one reported stolen just moments earlier.
Suspicious Discovery in the Water
After receiving the initial 911 call about the stolen Ford Expedition, a second call came in about a vehicle found in the river near a landing. Local responders, including the Warren County Sheriff’s Office, fire-rescue crews, and search teams, rushed to the scene.
Using a skiff launched from a nearby boat, authorities conducted a thorough search. However, they found no one inside the SUV or in the surrounding waters, according to the Vicksburg Daily News.
Fraud Uncovered
Soon after, investigators confirmed that the submerged Ford Expedition belonged to Heather Kay McCoy, the woman who had reported it stolen. On April 1, law enforcement arrested McCoy and charged her with insurance fraud.
Authorities also arrested Amber Spencer, whom they identified as an alleged accomplice. She was charged with conspiracy to commit a felony.
Next Steps in the Case
Although officials did not release details on how they quickly uncovered the fraud attempt, both women posted bail. The case is now pending a grand jury review, expected in the coming weeks.
Learn more about how Mississippi investigates and prosecutes insurance fraud.
FAQs: Women Charged With Fraud
What happened in the case of the women charged with fraud in Mississippi?
Authorities discovered a submerged SUV in the Mississippi River, leading to insurance fraud charges against two women.
Who were the women charged with fraud, and what are the accusations?
Heather Kay McCoy was charged with insurance fraud after reporting her own SUV stolen, while Amber Spencer was charged with conspiracy.
What happens next in the women charged with fraud case?
Both women posted bail, and the case is scheduled for grand jury review in the coming weeks.
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