Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
On XX/XX/XXXX, noticed a derogatory mark on my credit report that caused my credit score to drop over XXXX points. Upon investigating, I discovered that the issue was related to an unpaid disposition fee with Four Leaf FCU, which I was unaware of at the time. 

I had leased a vehicle through Bethpage FCU, and during the term of the lease, I was enrolled in autopay, and all payments were being handled automatically and on time. At the time of my lease end, Bethpage FCU had transitioned to Four Leaf FCU and I was not aware. When my lease ended, I did not receive clear communication about any outstanding balance, and I did not realize that the disposition fee had not been paid.

The only communications I received from Four Leaf FCU were generic voicemails asking me to call back, but they provided absolutely no context or details about any outstanding balance. Given the number of spam calls I receive daily, I mistakenly assumed these voicemails were not legitimate. Additionally, I received not even one written notice regarding the balance due. 

As soon as I became aware of the unpaid balance through my credit report, I immediately contacted Four Leaf FCU and paid the balance in full on XXXX XXXX 

I have maintained a perfect payment record throughout my entire lease, and this oversight was a result of a lack of clear communication, not an attempt to avoid payment. 

After speaking with Four Leaf on XX/XX/XXXX and paid my balance, they told me to submit a dispute by emailing them. I emailed them the same day and respectfully requested that they remove the derogatory mark from my credit report, outlining exactly what happened and that it was a miscommunication.

Four Leaf FCU responded to my dispute on XX/XX/year> by referencing a divorce decree, stating that the loan was still binding despite a divorce. However, I did not mention a divorce or submit any information related to such a situation in my original dispute. This response seems to indicate that Four Leaf FCU did not even review my case and instead made an assumption unrelated to the actual issue. I had no divorce, and the dispute is purely related to an unpaid disposition fee, not any divorce-related financial obligations. 

Additionally, I have attempted to resolve this matter by calling Four Leaf FCU multiple times. Despite my efforts, I did not receive any response or callback. I finally reached a customer service agent on XX/XX/XXXX, who informed me that I needed to submit yet another email, but no further assistance has been provided whatsoever. Four Leaf FCU has been unresponsive and unwilling to engage in a meaningful discussion to resolve this issue. 

The bank was extremely uncommunicative in informing me about my outstanding balance and has demonstrated the same lack of responsiveness and care in handling my case. 

Thank you for your time and consideration. Please let me know if you need any further information to process my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation