Identity Theft, Fake Pay Stubs, and Nearly $69,000 in Fraudulent Loans

Banks and credit unions allegedly deceived by counterfeit driver’s licenses, fabricated income records, and stolen personal information.

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Amarillo, TX – June 9, 2026 – A federal grand jury has indicted an Amarillo, Texas man accused of orchestrating a multi-year identity theft and loan fraud scheme that allegedly used stolen personal information, counterfeit driver’s licenses, and fabricated income documents to obtain financing from both banks and credit unions.

Federal prosecutors charged 36-year-old Calvin Lynn Roddy Jr. with four counts of bank fraud and four counts of aggravated identity theft. The indictment alleges Roddy obtained nearly $69,000 in fraudulent auto and personal loans by posing as other individuals and presenting falsified documentation to lenders.

According to court records, investigators believe the scheme dates back to at least 2021. Prosecutors allege Roddy repeatedly applied for vehicle and personal loans while assuming the identities of legitimate consumers who had no involvement in the transactions.

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Counterfeit Documents and Stolen Identities

Federal authorities claim the fraud relied on a combination of stolen personal identifying information and counterfeit supporting documents. Investigators allege Roddy supplied financial institutions with fake driver’s licenses, fabricated pay stubs, and other falsified records designed to verify employment and income.

The documents were allegedly created to match the identities of the individuals whose information was being used in the loan applications, allowing the applications to appear legitimate during the underwriting process.

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Multiple Financial Institutions Targeted

The indictment outlines four separate loan transactions involving three alleged identity theft victims.

According to prosecutors:

• In January 2024, Roddy allegedly obtained a $13,000 auto loan from Amarillo National Bank using the identity of one victim.
• In September 2024, he allegedly secured a $5,000 personal loan from Santa Fe Credit Union using the identity of a second victim.
• In January 2025, prosecutors say he obtained a $28,981.76 auto loan from Santa Fe Credit Union using the identity of a third victim.
• Less than a month later, in February 2025, he allegedly used that same victim’s identity to obtain an additional $21,958.32 auto loan from Amarillo National Bank.

Combined, the loans totaled approximately $68,939.

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Concerns About Flight Risk and Witness Intimidation

Following the indictment, federal prosecutors requested that Roddy remain in custody while the case proceeds through the court system.

According to court filings, the U.S. Attorney’s Office argued Roddy presents a significant risk of fleeing prosecution and could potentially intimidate witnesses connected to the investigation.

Federal agents arrested Roddy on May 29. He was booked into the Randall County Jail and remains in custody on a federal hold.

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A Continuing Challenge for Financial Institutions

The case serves as another reminder of the evolving methods used by identity thieves targeting financial institutions. While many lenders have strengthened digital verification processes in recent years, fraud schemes involving stolen identities and fabricated supporting documents continue to create challenges for banks, credit unions, and auto lenders alike.

As the case moves forward, prosecutors will be required to prove the allegations beyond a reasonable doubt. The indictment itself is an accusation, and Roddy is presumed innocent unless and until proven guilty in court.

Identity Theft, Fake Pay Stubs, and Nearly $69,000 in Fraudulent Loans – Identity Theft, Fake Pay Stubs, and Nearly $69,000 in Fraudulent Loans – Identity Theft, Fake Pay Stubs, and Nearly $69,000 in Fraudulent Loans

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