Article here:
http://www.cavalierdaily.com/article/2017/02/former-uva-football-player-indicted-for-fraudThese guys defrauded Navy Federal (and apparently other institutions, too, although NFCU is named specifically) by taking out phony auto loans and then having an accomplice cash the checks.
No wonder NFCU is so diligent about verifying eligibility... although there are no doubt a few legitimately eligible members out there who have nefarious intent.