Is forgery EVER legal? Can a car dealership forge my signature to open an account?

I do not know my rights as far as this goes. I bought a car on March 14, it ended up being bad overall but that is not the issue in question, they are working with me. But I bought it from a dealership, did all the paperwork and that stuff, and the financing was provided through a local credit union. This credit union requires you to be a member and have a current account to get a loan which we already did and told them that we did. The loan just goes under the existing account and no new account is needed. He confirmed that he knew we had an account, we finished the papers and left. Friday we received our first statement for the new loan and they created a new account there. We called the credit union who confirmed that a new member card had been filled out and signed. We had them print the photocopy that they scanned into the system and the signatures on the card were very obviously NOT mine nor my wife's. The paper is one that is specific to the credit union and is not related to the dealership at all. We had not seen that paper at all until Friday. What are my rights? What should I do?

I think I would make waves at the bank since they HAVE your signatures on file.

They need to transfer this loan account to your original account so you can transfer your payments to the loan account from your checking. Other than that, what is your problem? You DID fill out the forms and you did want the loan.

First off, we did not fill out any papers to do with the Credit Union. Second, My Problem is
1. They forged mine and my wifes signatures to open a new account, after we outright told them not to. How do I know that that is the only one they opened? They very well could have opened more and I could be paying for the car three times
2. If they have no problem forging my signature on that document to open a new account, what is to stop them from making changes to the contract I signed with them and forging our signatures on a new contract and having us pay more, or "willingly" opt out of our warranty or something, I dont know.
3. They could have been doing this to other people for a while, and I would hate for it to turn into one of the above issues for someone else, if it hasnt already.
4. This is the most important one. It is (to my knowledge) still illegal! Even if they have not changed any documents, it is illegal to open up an account in someone elses name by forging their signatures. Correct me if I am wrong on that. If someone breaks into your house, and rearranges everything in your house, but you dont know if something has been stolen, is that not still illegal? It is still breaking and entering correct?

The whole thing stinks, but what do you want to do about it?

You wanted the loan through your own credit union... but you got a loan under a new account. Yes, they violated the law and forged your signatures... but did they damage YOU? No.

You can complain to the state banking commissioner about the bank, but what damage did THEY do you? Nada.

Get the bank to fix this and tell them you need a letter stating that they won't do this kind of thing again. But you can't take them to civil court to accomplish anything because you have not LOST anything. You can complain to the state attorney, but they will consider it an infraction to simply move the business forward after you left them in charge. They will probably drop it. So churn all you want. Sometimes it is better to change banks when this kind of thing happens... just so you can be less fearful. I'd certainly entertain calling the better business bureau with a big complaint about fraudulent signature cards on that account. But it should not make it to court.