A criminal complaint unsealed Monday in Brooklyn alleges that Michael Daragjati stopped and frisked the man in April on Staten Island without proper cause.
The complaint says that when the man complained, the officer arrested him and filed a false report saying he had resisted arrest.
Federal authorities say they later intercepted a phone call between Daragjati and a friend. They say the officer was overheard using a racial slur while recounting the arrest.
The officer also is charged with extortion and wire fraud in separate, unrelated off-duty incidents.