Consumer complaint received 2025-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
XXXX ) Fix Autopay -I join autopay and it does not work, it does not make payment as defined and expected by the customer for the assigned due date of the loan. 

XXXX ) Fix suspense account to pay mortgage the Mortgage representative Manager told me that a payment must be made. So, in order to comply with his request, he made a payment with my authorization. Since you were not able to do it online because it appears to me that there may be a bug with the system and it would not allow you to pay the amount due. I say this appears to me to possibly be bug, as a former developer myself. I had to call a supervisor with privileges to do this task. Via the back door short of speak. This approach appears to me, found another bug with the system that payment was taking out of my checking account but got stuck in suspense account. That is what XXXX told me, when I talked to him today ( XX/XX/year> ). XXXX is the third-party vendor ( XXXX ) that is processing the loans. The loan was not paid, meanwhile it was taken out of my checking account. What is that all about? Maybe the mortgage payment should not have been paid since I double paid the month before in the amount of : {$3500.00} instead of paying something close to {$1600.00} what I paid in XXXX. Since the mortgage was not paid, the XXXX XXXX XXXX XXXX ( FCU ) mortgage team send me a text to my phone ending in XXXX as follows : Four Leaf Federal Credit Union : We need to speak to you about your mortgage Please call XXXX or visit XXXX XXXX XXXX. To stop msgs reply STOP o The other item related to this is issue is that on the Four Leaf FCU Mortgage Supervisor XXXX stated to me stated that his screen shows XXXX amounts of {$1100.00} and also it says that XXXX amount is due for XX/XX/XXXX. My screen only shows that {$1100.00} due. Which is it? Please explain this to me. 


XXXX ) Due to Bank Error the Bank owes me approximately {$1400.00}. When will they pay me back? Figure out what the XXXX payment should have been and give me a refund for the rest of the money. For example : I paid {$3500.00} under protest to conform to your request, if it should have been {$1600.00} I overpaid by {$1900.00}. The refund was requested on XX/XX/XXXX, in writing.I did not get an answer yet. I realize that the XX/XX/XXXX bill was {$1100.00} which is XXXX credit towards the {$1900.00} overpayment of XXXX or {$1400.00}. The FCU owes me approximately {$1400.00}, due to FCU error. Maybe the next payment I should not pay at all. Or pay only {$190.00} ( XXXX what the bill should approx ) XXXX ( what FCU owes me ). 


XXXX ) How about the interest Rate. The interest rate went down and so did the outstanding balance since XXXX. I should b paying less in XXXX than what I paid in XXXX in theory assuming the same number of payment days, right? Does your algorithm calculate the interest from the XXXX of the month and if it is not paid on the XXXX of the month you pay additional interest due to your errors? I realize that you have XXXX  days grace period. 
CALCULATE AND EXPLAIN TO ME THE AMOUNT OF MONEY THA NEED STO BE REFUNDED TO ME FOR OVERPAYMENT ON THE NUMBER OFAYS THA WERE LATE PAYMEN ON THE HELOC ACCOUNT SINCE XXXX XXXX THE XXXX. THE INTERST ON THE OUTSTANDING BALANCE FOR THE AMOUNT THAT WAS XXXX XXXX AND XXXX, SO FAR. THE NUMBEROF DAY LATE IN XXXX WAS XX/XX/XXXX OR AND FOR XX/XX/XXXX IT WAS XXXX  DAYS OR TAKEN OUT OF MY CHECKIGNACCOUTN ON XX/XX/XXXX, BUT XXXX PAID ON XX/XX/XXXX DUE TO BANK ERROR, SO IT IS XXXX  DAYS FOR XX/XX/XXXX PAYEMNT AND XXXX DAYS FOR XX/XX/XXXX PAYEMNT. XXXX  DAYS OF PAYMENT OF INTEREST. THAT NEED TO BE REFUNDED!

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