Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FourLeaf Federal Credit Union
State: PA

Complaint narrative:
Subject : Concern Regarding Auto Loan Payment Handling Name XXXX XXXX Account XXXX. 

Hi, I am writing to formally raise concerns about the handling of my auto loan payments by individuals within the Four Leaf Credit Union Auto Loan Department. 
I am the owner of a XXXX XXXX XXXX, which I purchased under my name nearly XXXX years ago to secure a favorable interest rate for my wife. 

We set up automatic recurring payments through her personal bank account, which is in her name only. While payments were made consistently for several years, beginning in XXXX, my wife account hasnt been funded because she stopped working, therefore she asked if her payment was ever declined, I would make the payment on her behalf. 

Starting in XXXX, her recurring payments were frequently reversed. Nevertheless, I consistently called to make the necessary payments, often XXXX consecutive months at a time to stay ahead and minimize disruptions. From XXXX through XX/XX/XXXX, I noticed that although I paid in advance for XXXX and XXXX, same thing happened between XXXX, I was still informed in that I owed a payment. I never specified that my payments were to be applied toward the principal, yet I was told my funds had been reversed. As outlined earlier, her account was no longer funded, and I had been using my own personal account to fulfill the loan obligations. 
Despite letting the matter go and continuing phone payments, I experienced the same issue again from XXXX to XX/XX/XXXX. Even though I made payments directly, I was contacted again due to the automatic payment being reversed, resulting in me having to pay twice for the same month. 

So roughly 10 days ago, I called and request a payout loan amount, and was told it was XXXX. So, after 7 days I called back on XX/XX/XXXX and paid the loan in full. 
Yesterday, XX/XX/XXXX however I was unexpectedly contacted by someone from Four Leaf credit Union who informed me that I now owe an additional {$300.00} in fees due to a reversed automatic payment even though the account had been closed and the loan paid in full. 

I respectfully requested an explanation for how my loan account now closed after full repayment continues to be accessed and used as grounds for follow-up payment requests. I called to request a payout amount and was given a specific figure {$3200.00}, which I paid in full. The agent provided the correct amount based on their systems records, and there was no discrepancy at that time. 

Several days later, I was contacted again and told that a payment had been reversed. However, I have repeatedly explained that the automatic payment setup linked to an inactive account is no longer in use. This has been documented and discussed numerous times. I have been making all loan payments over the phone, using my personal account, and these payments should clearly reflect as satisfied in their system. 

There is an apparent flaw or manipulation at play here : payments made manually should override any reversed auto-pay attempts. Instead, I am being charged multiple times for the same period, suggesting that either the system is deeply flawed or that individuals may be exploiting this oversight to generate unjustified fees. 
This pattern is deeply concerning and points toward deliberate misconduct. I strongly urge a full investigation into the internal handling of my account and similar cases. It is my belief that more than one individual may be involved in these questionable practices, which undermine customer trust and damage the integrity of their institution. 

They will not benefit from this. When people continuously engage in dishonesty and take advantage of others, it may appear profitable in the short term but the consequences will follow. 

This situation is unacceptable and raises serious concerns about internal processes. It appears that even when manual payments are made, they are not being appropriately applied or recognized, possibly creating opportunities for individuals to unfairly generate additional charges. I have explained repeatedly that the automatic payment reversal is a known issue due to an inactive account ( not having sufficient funds ). It should not override the validity of my direct phone payments. 
I believe this practice is unethical and unjust, and I respectfully request a thorough investigation into the handling of my loan payments and the legitimacy of this recent fee. 

When wrongdoing becomes a pattern, it has a way of catching up to those responsible. Continuously taking advantage of others does not go unnoticed, and eventually, consequences will follow. 

Thank you for your time and attention to this matter. I trust that fairness and transparency will prevail. 

Sincerely, XXXX

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