I can’t tell you how many times I have seen or had to service lugs/ bolts that have come loose by dumbdumbs doing shotty work, Always recheck the torque after a few miles, 50 is about right. The problem is that wheels are now powder coated or painted vs the 90's and what not. I have had many a time where the culprit was a hot wheel from race braking and it softened or melted the powder coat and or paint.
Never EVER use an oil or antiseze on threads, it A makes them easily back out, and B more importantly increases the clamping force DRASTICALLY. A typical 5 lug wheel at 80ftlbs will yield about 800 to 1000 ftlbs of clamping pressure between the wheel face and the hub/rotor/drum. If just simple oil is used that number can go up to as high at ~5,000 depending on the condition. A study was done with Rusted studs and bolts and also with new studs and bolts, no oil was ~1000 on the new and ~800 on the rusted, when oiled the new reached ~4900 and the rusted reached ~4600. This kind of clamping pressure will defiantly warp a rotor and distorts the mating surface of the nut or bolt.
My hunch is that some jack0ff put some oil on the threads and it mushroomed the mating surface and it backed out. Pull the wheel and check with a flashlight the mating surfaces and the threads for metal shavings and oil etc... If anything like that is found, especially oil, bring it back and have them replace all the bolts/ studs and tap the threads and fix or replace any damaged wheel.
When I did training for NTB years back, this was a 101 course we all took to be "trained" as a GS (General Service).
It may also just be a mistake and it was never torqued and you’re fine. Still check it out and look for these signs because serious damage can be done if oil or any lubricant was used.