Alert 2022-2| January 11, 2022

Unauthorized Banking: Fedro Asset Bank, N.A. and Ledge Community Credit Union, N.A.

To

Chief Executive Officers of All National Banks and Federal Savings Associations; All State Banking Authorities; Chair, Board of Governors of the Federal Reserve System; Chair, Federal Deposit Insurance Corporation; Conference of State Bank Supervisors; Deputy Comptrollers (Districts); Assistant Deputy Comptrollers; District Counsels; and All Examining Personnel

The Office of the Comptroller of the Currency (OCC) has been informed by the State of Florida’s Office of Financial Regulation that entities using a multitude of fictitious names and websites are purporting to offer banking services in Florida. In some situations, they are misrepresenting themselves as national banks. Both groups have been using foreign-hosted websites designed to obtain information to likely perpetrate fraud, including identity theft. None of these entities are authorized to conduct banking business in the United States, and websites appear to spoof a legitimate financial institution.

Fedro Asset Bank, N.A. purports to conduct banking business from the following addresses:

  • 10151 Deerwood Park Boulevard, Building 100, Suite 20-A, Jacksonville, FL 32256.
  • 1000 Legion Place, S-1250, Orlando, FL 32801
  • Innovation Square, 241 SW 7th Terrace, Gainsville, FL 32601
  • One Urban Centre, 4830 W. Kennedy Boulevard, S-730, Tampa, FL 33609

The known names and websites used by this group are as follows:

Anz Bank [www.anzfinancial.com]
Equitial Bank [www.equititalasset.com]
Fedro Bank or Fedro Asset Bank, N.A. [www.fedroassets.com]
Fedrox Financial Bank [www.fedroxfinancials.com]
Figs Financials [www.figsfinancials.com]
Levential Financial Bank [www.leventialfinacials.com]
Nelz Bank [www.nelz-shore.com]
Perics Bank [www.pericsfinancials.net]
Profitary Financial Bank [www.profitary-financials.net]
Reit Financial [www.reitfinancials.com]
Skyswift Bank [www.skyswiftfinancials.com]
SwissCapital [www.scpprivate.com]
US Collector Bank [www.usfinancecollector.com]

Ledge Community Credit Union, N.A. purports to conduct banking business from the following addresses, which correspond to a legitimate Florida Chartered financial institution:

  • 2004 E. West Parkway, Fleming Island, FL 32003
  • 1 University of North Florida Drive, Jacksonville, FL 33224
  • 11907 Lem Turner Road, Jacksonville, FL 32218

The known names and websites used by this group are as follows:

Flygate Financial [www.flygatefinancial.com]
Ledge Community Credit Union, N.A. [www.ledgecommunitycu.com]

The OCC recommends that consumers victimized by this scam file complaints with the following agencies, as appropriate:

  • OCC: by email at occalertresponses@occ.treas.gov; or by fax to (571) 293-4925.
  • U.S. Department of the Treasury, Office of Inspector General (OIG): by telephone at (800) 359‑3898 or by visiting the OIG website.
  • State of Florida’s Office of Financial Regulation: by telephone at (850) 487-9687 or, for filing a complaint electronically, via the website.
  • Federal Trade Commission (FTC): by telephone at (877) FTC-HELP or, for filing a complaint electronically, via the FTC’s website.
  • National Consumers League (NCL): by telephone at (202) 835-3323 or by email. To file a fraud complaint, visit the NCL fraud website.
  • Better Business Bureau (BBB): The BBB system serves markets throughout Canada, Puerto Rico, and the United States and is the marketplace leader in advancing trust between businesses and consumers. The website offers contact information for local BBBs, objective reports on more than 2 million businesses, consumer scam alerts, and tips on a wide variety of topics that help consumers find trustworthy businesses and make wise purchasing decisions.
  • Federal Bureau of Investigation Internet Crime Complaint Center (to report scams that may have originated via the internet).
  • If correspondence is received via the U.S. Postal Service, contact the U.S. Postal Inspection Service by telephone at (888) 877-7644; by mail at U.S. Postal Inspection Service, Office of Inspector General, Operations Support Group, 222 S. Riverside Plaza, Suite 1250, Chicago, IL 60606-6100; or via the online complaint form.

For additional information regarding other types of financial fraud, please visit the OCC’s Fraud Resources page, which can also be found from visiting OCC.gov.

Monica A. Freas
Director of Enforcement