Three people have been indicted on charges accusing them of defrauding St. Louis area lenders and others out of $348,000 with a fraudulent vehicle loan scam. Willie Roy Carter, 74, Kizzie Davis, also known as Kizzie Lofton, 45, and Charles Davis Jr., 56, were indicted on Dec. 20, 2023, with nine counts of bank fraud and one count of mail fraud. Carter appeared in U.S. District Court in St. Louis Wednesday and pleaded not guilty. The Davises, who are husband and wife, pleaded not guilty on February 2.