Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FourLeaf Federal Credit Union
State: WA

Complaint narrative:
Brief Intro : My main complaint are twofold. Since Fourleaf XXXX took over my loan from XXXX XXXX, I've noticed my balance on my principle did not decrease as much ( not proven yet ) and I was notified I had insufficient funds in my escrow account. I originally had a loan ( when purchasing the house ) with Bethpage credit union and in XXXX, Fourleaf took over my home loan. Here is the main issue in bullet points. - When the loan transferred from bethpage to fourleaf, a partial payment ( taxes paid in 2 segments ) of {$3600.00} was supposedly made on XX/XX/XXXX to the county. This was a mistake because I already paid my taxes in XXXX which payments are due in XXXX and XXXX. I reached out to the county and was informed no payment was made to the county during that time. - So the {$3600.00} is " missing '' and I've been attempting since XXXX of this year to get a refund and get documentation of my escrow ledger from before the loan acquisition and after. -They have continuously deferred me to check another time as they said their department was " looking into it. '' They said they would call the county and I was told they called about once a week. After 5 weeks, I had enough and just reached out to the county myself and got an instant answer verifying that no payment was made on XX/XX/XXXX but that amount definitely was taken from my escrow account. - The other issue I am having is, as for XXXX, I was making additional payments of {$190.00} every month because they said my escrow balance was low. I did not think much of it as they said my property taxes went up. Made sense to me until I realized that my taxes from XXXX to XXXX only went up {$480.00} for the year which should only be {$40.00} a month difference. In fact from XXXX, my total property tax increase was {$910.00} which breaks down to {$76.00} a month. I have been paying an additional {$190.00} for 9 months which totals to XXXX in addition. Then after the loan transferred, payments went down to XXXX which is a {$85.00} delta from my original payment. Then starting XX/XX/XXXX, they increased my payment to XXXX saying again my escrow balance was low but again, they took XXXX from my escrow account mistakenly. That is an additional XXXX extra dollars I am making in payments. None of this is adding up. I have made an additional {$2800.00} since these increases when my taxes only went up {$910.00} total. And I pay insurance separately and I have a fixed Principle and Interest payment. - In addition, I want to get evidence of my mortgage statements so I can see my principal balance pre-fourleaf taking over and post-the take over. I believe there is some funny business on my principal balance actually going down especially when they did the loan takeover. -Lastly and this was my final straw, I was just informed that my file from a tax company thats supposed to help me figure out my escrow and tax issues, was deemed as being a part of XXXX and XXXX. I was not notified of another loan takeover nor was there any documentation sent to me.. I am not sure what exactly is going on but I've never been with XXXX or XXXX the servicer. I believe there is some funny business going on here.. I've requested mortgage and escrow documents now several times and they still haven't gotten those to me and I've been asking since XXXX and it is now XXXX. I would really appreciate if someone can investigate this as I truly believe there is foul play here. I am constantly being pushed to " call back later '' and spent several hours trying to get answers. All of the discussions were " recorded '' according to them. Thank you

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