I have a loan with Navy Federal Credit Union that was already charged-off 5 years ago. Yesterday, I have to borrow money from my brother as I am going through financial rough times, but he deposited the money to my savings account with Navy Federal Credit Union since he has an account with the same bank. The NFCU then transfer the funds to the loan that was charged-off 5 years ago and I am left with XXXX balance. 
