There are many questions on this forum about objects falling into black holes. Most of them describe that to distant observers, the objects never quite reach the event horizons and appear to be frozen just outside. For example: How can anything ever fall into a black hole as seen from an outside observer?
Answers often refer to the Schwarzchild metric, even though that describes a static situation which isn't strictly applicable to in-falling objects. We know from studies of black-hole mergers (Revisiting Event Horizon Finders ) that in more realistic scenarios, event horizons can start growing before objects actually cross them.
This seems to suggest (perhaps naively) that outside observers could possibly see objects disappear behind event horizons in a finite time, since the event horizon may be larger than previously assumed.
That view might be countered by noting that the gravitational time dilation would also be changing along with the event horizon, with the result that the disappearance would still take an infinite time.
I don't expect that such a complicated situation could have a definitive answer without resorting to numerical relativity calculations, but would like to know what conclusions have been reached about the effects of event horizon growth.
It has been suggested in comments, that this question is a possible duplicate of Does an expanding event horizon “swallow” nearby objects? However, that question involves the merger of two black holes, and therefore has two event horizons, while this question is for the somewhat simpler case of aa object falling into a single black hole. I'm not sure if the answers would be different, but I believe this is still a separate question.