Brown new growth + leaf drop 3 months after purchase + bugs in soil earlier = classic overwatering/root rot. The soil stayed too wet (muddy at repotting), suffocating roots.
They don't fix root rot. The bugs (fungus gnats?) were a symptom of wet soil, not the cause.
Repot into slightly larger pot with holes, using well-draining mix. But wait—disturbing roots now adds stress. Only repot if soil stays wet >5 days.
Ficus drops leaves when stressed but recovers if roots heal. New growth will normalize in 4–8 weeks with correct watering.
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