VIRGINIA BEACH, Va. — The scammers approach their victims in various ways. Some say they've lost their phone and need to make a bank transfer. Sometimes, the con is more complex. One victim reported that a man with a baby in the backseat of his car claimed he couldn't find his wife and begged to use her phone.

But the result has been the same for hundreds of people in the Hampton Roads region: Navy Federal Credit Union customers are scammed out of thousands of dollars by perpetrators who take out loans under their name. The victims are then left to repay the loans with interest or face penalties and a worsening credit score. In all, the scam has cost local victims — many of them young men in the military — more than $2 million.

Investigative reporter Margaret Kavanagh has been following

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