Complaints

• Initial Complaint

  10/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to formally dispute an inaccurate entry on my credit report. After reviewing my credit report, I found that the following account, which I did not open, is being reported under my name. I am a victim of identity theft and have filed a complaint with ***************** to address this issue.The fraudulent account is as follows:Lake Michigan Credit Union Account #: ************* Date Opened: 05/25/2024 This account was opened without my knowledge or authorization, and its presence on my credit report has severely impacted my credit rating and financial stability. I request that this account be removed from my credit report immediately, and I expect a thorough investigation to ensure that this error is corrected.

  

  Business response

  10/18/2024

  We received the complaint from the above referenced individual and have attempted to contact them by phone on 10/18/24.We will address their concerns upon a return call and per their discretion they may share our response with you directly.

• Initial Complaint

  10/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had a fraudulent charge placed on my Lake Michigan Credit Union account that I believed was closed. I was contacted by **** by phone alerting me to an over charge of $402 placed on my account. I disputed and won my dispute, **** agreed that it was fraudulent, but they filed a negative **** on my credit score which will affect my chances of getting premium ratings I received prior to this. I was never alerted of these charges prior to these phone calls. **** sent letters to an incorrect address so I did not receive anything alerting me to this issue. I submitted a credit dispute but **** denied my submission. How can they say the charge was fraudulent, but then place this **** on my credit score? I really just need this **** taken off my credit score. The communication and help I received from **** was non existent and obviously detrimental to my financial future.

  

  Business response

  10/18/2024

  We received the complaint from the above referenced individual and have addressed their concerns by phone on 10/15/2024. In the interest of confidentiality, we are unable to provide the details of our resolution. Per the complainants discretion,they may share our response with you directly.

• Initial Complaint

  09/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I currently have my auto loan through them, called in to refinance on 9/23/2024 around 11 am.Spoke to someone about refinancing, she stated they can refinance at 84 months and they would need to run my credit to see the interest rate. Not a problem.The problem came after the ran my credit, 780 credit score, again not the problem. After the ***ort was ran they stated they couldn't do the refinance because the truck was upside down, even though they hold the loan. Every other lender does the vehicle appraisal before the credit check... so now they dinged my credit for no reason... they won't call to have it removed. The *** stated they couldn't do the appraisal before, which is a out right lie. If that was the case everyone using NADA (which they said they use) would have to pull their credit to find out their vehicle value...

  

  Business response

  10/01/2024

  We received the complaint from the above referenced individual and have addressed their concerns by phone on 09/23/2024. In the interest of confidentiality, we are unable to provide the details of our resolution. Per the complainants discretion,they may share our response with you directly.

  Customer response

  10/01/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  09/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I've tried on several occasions to pay my bill to **** and they would not take my money. I had a car payment through them and a credit card. I paid off my car and was paying small payments on the credit card, then they wouldnt take my money. I went into the branch several times and just stood there waiting and now my check is being garnished 36% of my after taxed income, I can not afford this!!!!! I dont know who could. I will not continue to be a working person of society if this does not get reduced... I would love to just keep paying my credit card payment I dont know why I couldnt any more. and also I dont have the title for my car and I'm being sued for all this money does not make any sense how am i suppose to live?????? in fact I will not be able to live if this does not change

  

  Business response

  09/25/2024

  We received the complaint from the above referenced individual and have addressed their concerns by phone on 09/19/2024. In the interest of confidentiality, we are unable to provide the details of our resolution. Per the complainants discretion,they may share our response with you directly.

• Initial Complaint

  08/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Complaint Regarding Incorrect Late Payment Reporting I am writing to formally file a complaint regarding the reporting of late payment on my credit profile associated with my account at Lake ********************************************************************** opened a line of credit and specifically requested to have it set on autopay. Although I manually managed my payments for a time, there was a period when I assumed autopay was functioning as intended. When I received a notification of a late fee after 30 days, I immediately made the payment. However, I was surprised to find that my credit report reflected a late payment.After contacting the bank, the representative acknowledged my request for autopay, apologized and waived the late fees. Despite this, my credit score subsequently dropped significantly, and I have faced challenges in my business endeavors due to this issue.I have disputed the late payment twice with the credit bureau, but both attempts were unsuccessful. I was informed by your team that there is nothing further that can be done, and this late payment will remain on my credit profile for seven years.I am seeking a resolution to have this late payement removed from my credit report, as it is causing me undue hardship. I would appreciate your assistance in this matter.***********************

  

  Business response

  09/05/2024

  We received the complaint from the above referenced individual and have addressed their concerns by phone on 09/05/2024. In the interest of confidentiality, we are unable to provide the details of our resolution. Per the complainants discretion,they may share our response with you directly.

• Initial Complaint

  07/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  U.S.Code 1637(b)(2)(A) requesting to resolve a billing error by providing all documentary evidence for clarification

  

  Business response

  07/25/2024

  We received the complaint from the above referenced individual and have addressed their concerns by phone on 07/24/24. In the interest of confidentiality, we are unable to provide the details of our resolution. Per the complainants discretion,they may share our response with you directly.

• Initial Complaint

  07/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have mortgage with LMCU. As a result, Im required to have a checking account with LMCU. Ive used this checking account to make payments to my mortgage and other things. If you are a normal person with real problems, LMCU is not your friend. Who in their right mind sat in a meeting and decided that if your mortgage payment is late after a certain number of days, that they would LOCK your access to your account? Sometimes life happens - sometimes its financial, sometimes its medical, but you need to let things go late. I will take the late fee and pay it before the next payment is due. Sometimes you have to make hard decisions like that. LMCU locks your account and tells you to call. Unless youre foreclosing on my house, I dont need or want to talk to you. I just want to log into my account and make my payment as soon as I can. So I call at 8am because I have to get access to my account. Membership cant help me, so I get sent to the mortgage department which is closed until 9am. I cant call at the point because Im working by then. I dont have the time to sit in front of a computer and go through the ringer with a mortgage person verifying information while Im working. Im not even allowed to do that at work. I work until 5:30 and get home at 6. Guess who closes at 5:30? You got it, the mortgage department. I just want access to my account so I can pay the bill. On top of that, my account is locked so I cant even make deposits, and who knows what pending transactions have been returned at this point. Why lock accounts? On top of this idiotic practice, your hours are terrible, depositing funds is harder now because you got rid of Zelle and cash deposits at the *** need to be manually verified by an actual person the next day. Its like banking in the Stone Age. If rates werent so high right now I would have refinanced elsewhere and rid myself of LMCU. STOP LOCKING ACCOUNTS.

  

  Business response

  07/25/2024

  We received the complaint from the above referenced individual and have attempted to contact them by phone on 07/25/24.We will address their concerns upon a return call and per their discretion,they may share our response with you directly.

  Customer response

  08/07/2024

  I wanted to give the business a chance to connect with me. They claimed to have reached out, but did so during hours I noted that I am not available. I attempted to connect with someone at least 3 times regarding this matter, and left a voicemail for them to return my call. I have not received one return correspondence from the business since I left a voicemail on 7/30/24. This matter has not been discussed and at this point, has not been resolved.

  

  Business response

  08/15/2024

  We have reviewed your account and have spoken to you on multiple occasions since 07/30/24. Should you have any further questions or concerns, please contact our Mortgage team directly at ****************************. 

  Customer response

  08/15/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, wish to close the complaint, but wish for the business to connect with me still. I dont wish to be unfair to LMCU. Their latest response indicates that I have spoken to various individuals on multiple occasions. While true, that was merely for the sake of regaining access to my banking account and that was with representatives from their membership and mortgage teams who had no insight into this complaint and its subject matter. My hope was to understand why LMCU locks accounts at all because it causes a myriad of issues for the consumer who may rely on their bank account to pay bills from all creditors.  Im just a lowly consumer, but perhaps I could petition for a review and change to this policy. However, I am no further along on that journey than I was when I began. Who is the person responding to these BBB complaints? When can we speak? I wish to close this complaint, but please call. Leave a voicemail with your return number if necessary.

  
  

• Initial Complaint

  05/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have had my account with LMCU for a little over a year now and the frustration due to disrespectful representatives, the lack of information, and lies is now affecting my mental and emotion health. Upon the start of my lease, I had no fault ********************** I provided this information to the dealership as well and was approved to drive off with such. After 6 months, I was told my note would go to about $600 because of a short lapse in insurance, after regaining my coverage through Progressive I would still be told my car note would remain the same because this same insurance is now the wrong coverage. I am not allowed to have access to my online account to view details myself. I am constantly yelled at when calling to see why I can't get correct answers. I am also being told the insurance provided by LMCU does not cover the vehicle its solely for their protection. I do not receive documentation, only verbally told information. Upon asking for documentation, I am treated in a very hostile manor. I am only allowed to pay my car note in cash with no proof of payment. I am being taken advantage of and being treated unfairly. This is my last attempt to resolve before going to court.

  

  Business response

  06/06/2024

  We received the complaint from the above referenced individual and have attempted to contact them by phone on 06/04/2024. We will address their concerns upon a return call and per their discretion, they may share our response with you directly.

• Initial Complaint

  04/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I came in to the **** branch located on lake drive around 10 am est on 4/6/24 to make a withdrawal. I had my driver's license and debit card with me, which is normally all I need to make transactions, but the ************************ (white, female), refused to assist me because I was wearing glasses and a face mask and wouldn't remove them (I wear glasses and a face mask for health reasons).I asked for her supervisor, ***** (white, male), but he wouldn't assist either. At that point they gave me my driver's license and debit card back and asked for their names to make a complaint to their corporate office. Later on, while trying to make a transaction, I discovered they shut my account down.I think ***** and ***** did it to be ***** because I informed them I intended to file a complaint against them and because I'm black.I want my account re-activated and to be serviced in the future while wearing my glasses and face mask.

  

  Business response

  04/19/2024

  We received the complaint from the above referenced individual and have addressed their concerns on 04/08/2024. In the interest of confidentiality,we are unable to provide the details of our resolution. Per the complainants discretion, they may share our response with you directly.

• Initial Complaint

  04/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Commencing on or about September 29th 2023, I fell victim to a multi-layered scam operation run by ***bacct.com which involved me making deposits for a total amount of ********* USD via **** gift cards from both of my bank accounts. To be more precise it was Lake Michigan Credit Union (Debit Card) - ********* USD and Lake Michigan Credit Union (Credit Card) - ******** USD.When determining whats reasonable and fair, we should focus on the issue of liability; common queries include, but are not limited to, the following (i) whether LMCU did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that *** have prevented them from protecting my financial safety; (ii) whether by virtue of LMCUs custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached; (iii) whether LMCU promoted the transaction(s) in question despite being aware of the nature of the transaction(s) in question (iv) whether LMCU was in compliance with its own policies and procedures; (v) whether LMCU owed duties to myself, what the scope of those duties was, and whether LMCU did not uphold those duties; (vi) whether LMCUs conduct was unfair; and (vii) whether LMCU has within its power the ability to, and should, compensate me for the harm that has befallen me.Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud.

  

  Business response

  04/09/2024

  We received the complaint from the above referenced individual and have addressed their concerns on multiple occasions. In the interest of confidentiality,we are unable to provide the details of our resolution. Per the complainants discretion, they may share our response with you directly.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩