It can happen by putting a wheel on but the wheel/rim was not fully up against the rotor/brake drum and one snugs the nuts up "hand tight" or "not tightened enough". Then the vehicle was lowered and you torqued the nuts to 90.. Fact is the wheel wasn't actually on all the way before lowering car. It didn't tighten snug to the hub when torqued because the lower part of the wheel while being on the ground the wheel cannot move inward to close the hub/rim gap even torqued to spec. It couldn't move to go on..
So' it then loosened up more as you drove it and nuts fell off, wobble thump and "Omg my wheel flew through an oncoming cars windshield etc".. Ya, that is what happens more times than we ever know...
Just count your blessings if nobody was killed, learn and move on.. When you tighten nuts "always" spin the wheel around slowly and verify there is no gap between hub/rim. I use a 4 way to snug nuts up due to this issue btw.
1-Sears did this to our car installing tires but I even checked the wheel torque once I got home. Wheel backed off, didn't come off car on the interstate thank god. Right away, I knew I screwed up because I should have raised the car then tightened nuts then lowered it and torqued them again...Lesson learned, moved on!!
2-Pep Boys torqued our 95 Camry to over 210 ft once (rated 90). I learned a week later as I broke 2 lugnuts trying to remove lugnuts for brakes. Drove to Pep Boys argued "Its impossible" they're manager said. Ten minutes later as he came from back area I said, "So' how many lugs did you break". He answered "13"..."I'm so sorry sir, seems our new employee brought his industrial impact in, we'll fix it all like new" and they did so. All new nuts/lugs/hubs/rotors.. Motegi wheels are very tough.. Still own all 4, was over 10yrs ago balance perfectly. Imagine changing tire on side of road here?
NOTE TO SELF-- Lesson learned, drive straight home, lift car with jack, inspect/tighten wheel with a tire tool, lower it and torque nuts regardless who took my damn wheels off...We all have to learn bro!
Peace