A North Carolina man and woman and a former New Jersey man stolemore than $1 million in auto loans from some of the nation'slargest credit unions and banks, according to court documents filedby federal prosecutors last week in U.S. District Court inCharlotte, N.C.

In addition, one of the three accused suspects also stole up to$1.5 million in home equity lines of credit from three creditunions.

From 2012 to 2015, Kimberlie L. Flemings, 49 and StanleyReginald Barron, 37, both of North Carolina, and Brian Lyles, 46,of New Jersey, submitted dozens of fake online loanapplications to 15 credit unions and three banks to buy usedcars in their names and in the names of about 30 other people.

The victimized credit unions included in the court documents arethe $90 billion Navy FCU in Vienna, Va., the $22 billion PentagonFCU in Tysons Corner, Va., the $37 billion State Employees CU inRaleigh, N.C., the $9.6 billion Aliant Federal Credit Union inChicago, Ill., the $8.2 billion Digital FCU in Marlborough, Mass.,the $6 billion Patelco CU in Pleasanton, Calif., the $2.9 billionAffinity FCU in Basking Ridge, N.J., the $2.2 billion NASA FCU inUpper Marlboro, Md., the $2.1 billion Chartway FCU in VirginiaBeach City, Va., the $1.3 billion USAlliance FCU in Rye, N.Y., the$410 million McGraw-Hill FCU in East Windsor, N.J., the $387million Air Force FCU in San Antonio, Texas, the $356 millionGarden Savings FCU in Parsippany, N.J., the $344 million CreditUnion of New Jersey in Ewing, and the $221 million Atlantic FCU inKenilworth, N.J.

The victimized banks were the $1.7 trillion Wells Fargo Bank inSioux Falls, S.D., the $201 billion Sun Trust Bank in Atlanta, Ga.,and $74 billion Santander Bank in Boston.

Because Flemings, Barron and Lyles and the people they recruitedto apply for the online loans had poor credit, they fraudulently“cleaned,” or “repaired” their credit reports by submitting fakepolice reports to credit reporting agencies that the negativeinformation on their credit reports were caused by ID thieves,which forced the credit reporting agencies to erase the negativecredit items.

The suspects and co-conspirators also submitted with theironline loan applications fake employment and income information andbogus information about the cars to be purchased with theloans.

Federal prosecutors said Barron created four auto dealerships asa front that purported to sell the cars. He also set up fakewebsites, bank accounts, addresses and purchase orders associatedwith the auto dealerships.

Proceeds from the loans were deposited into accounts controlledby Barron or other co-conspirators.

Once the loans defaulted and the credit unions took steps tocollect the debts, the suspects claimed they were victims of IDtheft and submitted false police reports that they did notauthorize the loans.

Moreover, Lyles, who copped a plea deal with prosecutors,admitted that he was involved with running a fraudulent home equityline of credit scheme that victimized Affinity FCU, USAlliance FCUand the $67 million Motion FCU in Linden, N.J. from March 2014 toMay 2015.

According to court documents, Barron and Flemings were notinvolved in this scheme.

Along with the online HELOC applications, Lyles submitted fakeemployment information, false statements about assets andliabilities, occupancy misrepresentations, and bogus pay stubs,utility bills and insurance information. He also created theidentity of another person with a falsified driver's license andSocial Security card.

Through this HELOC scheme, Lyles netted up more than $550,000but less than $1.5 million, according to court documents.

What's more, while Lyles was defrauding Motion FCU, he wasindicted by New Jersey authorities in another unrelated real estateloan scheme. And while he was defrauding Affinity FCU andUSAlliance FCU, Lyles pleaded guilty to the real estate loan fraudcharges and was on bond awaiting sentencing, according to federalprosecutors.

Lyles' plea agreement was not publicly available online. He has been charged with conspiracy to commit wire fraud andbank fraud.

Barron and Flemings have not entered their pleas to the charges.Barron has been accused of conspiracy to commit wire fraud and bankfraud and money laundering. Flemings has been charged withconspiracy to commit wire fraud and bank fraud.