What is the most common complaint against FourLeaf Federal Credit Union?

The most common issue consumers report about FourLeaf Federal Credit Union is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 17 complaints filed with the CFPB.

Are complaints against FourLeaf Federal Credit Union increasing or decreasing?

Complaints against FourLeaf Federal Credit Union are rising. The company received 11 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is FourLeaf Federal Credit Union's reputation grade?

FourLeaf Federal Credit Union has a reputation grade of C (score: 59.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does FourLeaf Federal Credit Union respond to consumer complaints?

FourLeaf Federal Credit Union has a 100% timely response rate to CFPB complaints.

In how many states does FourLeaf Federal Credit Union operate?

FourLeaf Federal Credit Union has received CFPB complaints from consumers in 5 states, with the most complaints from New York (12 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

FourLeaf Federal Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

6
Took or threatened to take negative or legal action

5
Written notification about debt

4
False statements or representation

2

Data updated September 2026

CFPB complaint disposition

CCDB record fourleaf-federal-credit-union FourLeaf Federal Credit Union

Grade C · 17 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #2031 · compose #2468

VOL 17
GRADE C
12MO 11
STATES 5
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #2,031
COMPOSE #2,468

Volume peers

Nearest volume peer: A/R Concepts, Inc. (17 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

FourLeaf Federal Credit Union's 17 CFPB complaints sit next to A/R Concepts, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

70.6% of FourLeaf Federal Credit Union's CFPB filings land in New York

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: New York 70.6%; 12 of 17 filings · 5 states touched
Spike month: 2025-11 17.1%; 6 filings that month · spiky (≥15% of series)
Corpus ranks: #2,031 volume; #2,468 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does FourLeaf Federal Credit Union compare to its peers?

How does FourLeaf Federal Credit Union compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

FourLeaf Federal Credi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

57%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-03 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	6
Took or threatened to take negative or legal action	5
Written notification about debt	4
False statements or representation	2

Where do complaints against FourLeaf Federal Credit Union come from?

FourLeaf Federal Credit Union's own per-state count, not a national baseline.

New York

12
Georgia

2
New Jersey

1
South Carolina

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for FourLeaf Federal Credit Union: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 17.

4 peers

Know your rights before responding to FourLeaf Federal Credit Union: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.