Complaints

This profile includes complaints for Lake Michigan Credit Union - All Locations's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Lake Michigan Credit Union - All Locations has 121 locations, listed below.

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• 

  Lake Michigan Credit Union - All Locations

  PO Box 2848 Grand Rapids, MI 49501-2848

  
• 

  Five Stars Auto Care, Inc

  34410 S. Gratiot Ave. Clinton Township, MI 48035

• 

  Lake Michigan Credit Union

  1653 Sun City Center Plz STE 1001 Sun City Center, FL 33573-5393

  
• 

  Lake Michigan Credit Union

  2120 Kings Hwy Port Charlotte, FL 33980-4301

  
• 

  Lake Michigan Credit Union

  21910 S Tamiami Trl Estero, FL 33928-3231

  

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:11/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When I sign up for the account is specifically asks you, do you want us to reject overdraft charges or allow them to go through and charge you a fee? And I specifically said no. Do not allow the account to go over draft. Come to find out all these things are coming through the account overdrafting the account all the time and then they say that it's because it's going through as a bill payment and not as a a card payment when every single one of those payments are done by card. Not one of them has a routing number or an account number for them to be charging me and overdraft fee as if it's an ACH payment when it's not. If it's putting through with a card number then it is not and bill payment. It is gone through the card and should be rejected and yet this bank continuously keeps charging me overdraft fees when I specifically ask them not to for any transaction that is not an ACH transaction and none of the transactions that have come through are ACH transactions and yet they keep trying to charge me for something I specifically signed off to not do and every time I call in they explain this and yet this is still a problem so obviously they need to change their protocol or get rid of the whole thing in their signup process. Asking you if you want to not have overdraft fees because it's a lie because they'll keep letting things come through regardless. I have never dealt with an institution that is so backwards on what your signup policy is compared to what actually happens. I have never had this happen with any other bank. Any other bank that says they do not allow overdrafts mean they do not allow overdrafts. If my routing number and my account number it is not included in the payment then it is not an ACH payment and it should not be getting overdrafted for it. You need to change the wordage of your signup process or don't offer it if you're just going to go back on your word

  

  Business Response

  Date: 11/22/2022

  We received the complaint from the above referenced individual and have attempted to contact them on 11/21/2022 and 11/22/2022 to address their concerns. If the complainant returns our call, they may share our response with you directly. 

• Initial Complaint

  Date:09/27/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have had numerous issues with this bank when disputing items. They never fully investigate and close out charge disputes. When you finally push them to do so, they will see things in your favor and still not issue the refund. They blame and push it off on ***** Amazon issued a refund for $262.62 on a damaged item and still my bank has refused to post it to my account. My next complaint with be with the ****

  

  Business Response

  Date: 10/05/2022

  We received the complaint from the above referenced individual and have contacted them by phone to address their concerns on 09/30/2022. 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

  Date:09/12/2022

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I requested a vehicle loan pre-approval from Lake Michigan Credit Union on July 5, 2022. The pre-approval amount and the rate were valid for 60 days. I purchased a vehicle on August 16, 2022. I spoke with a Lake Michigan Credit Union representative about indirect financing since the dealership I utilized does not do direct funding with the credit union. The individual assisted me with the delivery of paperwork to the credit union and all needed documents were submitted timely. On September 12, 2022, I received a call from the dealership stating that they had not received payment from Lake Michigan Credit Union. Apparently, the loan was closed on September 4, 2022. I received no notice about the loan's closure, nor did I receive any notice about the loan's status. When I called the credit union, there were several confusing remarks and it appears that Lake Michigan Credit Union never remitted the payment to the dealership when the paperwork was submitted. Since the pre-approval rate expired, my credit report had to be pulled again and my new rate went up more than **** points. Therefore, my monthly payment increased by almost $100 despite an excellent credit score.

  

  Business Response

  Date: 09/13/2022

  We received the complaint from the above referenced individual and have addressed their concerns by phone on 09/12/2022. 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 Answer

  Date: 09/14/2022

   
  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

  Date:08/25/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a closed credit card account with Lake Michigan Credit Union. As of June, I stopped receiving bills for my monthly payment. I called customer service in July, and was told a bill would be sent. August 15,2022 I received a call stating my bill was late and was told that the statement they sent was returned by the USPSIm not sure why, as I have not moved and have lived at my residence for 13 years. I requested a new bill and was told We dont send out bills, only quarterly statements. I was told to Just mail a check every month. August 16, 2022 I sent **** of America check #**** in the amount of $88.00 to the address on my statement. August 24, 2022 I received a call stating that I still owe a payment. What I want from LMCU is for them to find what happened to the check I sent and also to be sent a monthly bill. Their current system, where I dont know the due date of my bill, the minimum payment, or the payoff allows far too much leeway in favor of the bankmiss the due date I dont know about and incur a late fee and the associated interest. But I send a check with no account number attached (since I dont know it any they wont tell me), and the bank loses it. I cannot pay online as I do not have online access in spite of multiple attempts to gain online access. I would like a monthly bill, and for the bank to find the check they lost.

  

  Business Response

  Date: 09/01/2022

  We received the complaint from the above referenced individual and have made multiple attempts to contact them in order to address their concerns and to assist in correcting the issues with the mailing of their statements. To date we have not received a response from them. If the complainant does return our calls, they may share our response with you directly. 

• Initial Complaint

  Date:08/15/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Neither Lake Michigan Credit Union or Extra has provided me with any outcome; they have told me they are not refunding the money I did not authorize on 7/29/22. These transactions were spam for 3-4 months. I am a traveling nurse. I travel to different countries, states, and instate. I had a relationship with Extra, which took money from my account via ACH. I have 15 unauthorized transactions from them. I have gone to them about the transactions and was supposed to get my money back. However, they kept saying someone would reach out to you within 24 business hours. No one has reached out to say you will receive your credit back to your linked account within 3-5 business days, then **** Business days. Ive been texting them every day for two weeks straight, with no answer on where my money is. On Thursday of 8/11/22, I finally got a response which was they were closing my account due to violating the terms and conditions of the card. I went to my bank, where I have previously disputed transactions that were not mine, and the same day I noticed money was being withdrawn from my account. I have had 3 LMCU cards issued out and three extra cards issued out. I put them in my Apple and ******* Wallet, so I dont have to carry them on my person. My bank called me on 8/12/22, informing me they are not refunding me anything simply because I logged onto my app and viewed my balance and didnt question why my ratio was lower! As I told them, I do not check my account balances and transactions daily. I go into the app to do other things such as deposit checks, get my accounting and routing # to lock and unlock my card, get my E-statements, etc. They claim I did authorize those transactions by looking at balance! The manager was delighted to say you must reach out to Extra because we are not giving you the money back. They will have to; hang Up on me.

  

  Business Response

  Date: 08/16/2022

  We received the complaint from the above referenced individual and have addressed their concerns by phone on 08/15/2022. 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

  Date:08/12/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On May 31st, 2022. My credit card was stolen and they did a cash advance of over $3000. I called LMCU and tried to dispute it. I was told I had to pay it back.

  

  Business Response

  Date: 08/18/2022

  We received the complaint from the above referenced individual and have addressed their concerns by phone on 08/18/2022. 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

  Date:06/26/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 5/11/22 we did a request for title from a purchase of a RV trailer. We have not been able to aquire use of the trailer because the Bank refuses to send the necessary title for registration. We were planning a trip and may have to cancel and loose a lot more money because of their refusal for doing their necessary paperwork for the State of Michigan. We have two choices they can send the necessary title for the registration or we can cancel the loan.

  

  Business Response

  Date: 06/27/2022

  We received the complaint from the above referenced individual and have addressed their concerns by phone on 06/27/2022. 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

  Date:06/16/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My son who just graduated from *********** and is going to college in the fall came in to open a checking account and savings account to deposit his graduation money and also was talked into signing up for a credit card to be used for college. He received a large check from his grandparents that was earmarked to pay for his room and board housing this fall. When he tried to deposit the check, he was rudely told he would need to open a custodial account to process it. The manager was asked to join the conversation since and basically told my son that unless he opened a college savings account, they refused to deposit the funds. I work in the industry as a financial planner and had looked at the check and it was written correct. He was rudely shut down and told they refused to deposit the check and the Caledonia manager *********************** rudely refused to give me anyone else contact info and I had to go online to find his managers name. Not only did he upset a new kid who was just trying to deposit his graduation money, but those funds are needed to pay for his room and board and now I need to go find another bank to reopen all these accounts to we can get the funds to the college in time. I am also pulling all our corporate accounts that we have had there for years due to this incompetent and rude action by the manger and his assistant *******. You would think in a small town like Caledonia, they would be more friendly to kids and encourage them to save and open accounts. Unbelievable in this day and age with all the competition with credit unions and banks. I would highly suggest looking at another bank or credit union is you are trying to open up accounts for graduating seniors that just turned 18.

  

  Business Response

  Date: 06/24/2022

  We received the complaint from the above referenced individual and have addressed their concerns by phone on 06/17/2022. 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 Answer

  Date: 06/28/2022

   
  Complaint: 17437571
  
  I am rejecting this response because:
  Check deposit issue was resolved after a long drawn out process and an embarrassing phone calls with the grandfather who was upset, I still never was told that the rude manager was fired so this will not close until I have confirmation that he was fired along with his assistant manager, 

  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:06/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  For the past 5 months Lake Michigan Credit Union has been withdrawing money from my personal checking account at American Airlines Credit Union without authorization. In February of this year my girlfriend and I separated and while at that time we were paying her car payment out of my checking account, we stopped that authorization. Lake Michigan has continued to withdraw ****** out of my account after several requests to stop this transaction. ******** (girlfriend) has filed paperwork multiple times as well as several phone conversations with Credit Union management to stop the unauthorized transactions. Lake Michigan refused to talk to me as I was not the account holder and has also stated that they are unable to stop the *** or it has to be completed on American Airlines Credit Union system even though the debit was initiated at Lake Michigan Credit Union. I have had to dispute this transaction for the past several months with American Airlines Credit Union to get the transaction reversed.

  

  Business Response

  Date: 06/27/2022

  We received the complaint from the above referenced individual and have contacted them by phone to address their concerns on 06/24/2022. 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 Answer

  Date: 06/28/2022

   
  Complaint: 17430835
  
  I am rejecting this response because: No one has called me or made an attempt to call me from a Michigan phone number, if I did get a call from an unknown number there wasn't a voicemail left and there has been no resolution regarding the unauthorized debits from my account. If this continues I will get legal representation. 
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 07/07/2022

  We have communicated with the above referenced individual directly in which he confirmed the situation has been resolved to his satisfaction. 

• Initial Complaint

  Date:05/20/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I went to LMCU to place a POA ****** of ********* form filled out and placed on my husbands account. Everything was fine with the form except the last page, I signed where my husband signed and he signed where I was suppose to sign. I was told by LMCU employee that all I had to do was get the last page of the form filled out correctly and get it notarized and fill out a form with my and his banking info on it and I would be fine. I did that brought the form back in the employee that advised me of the information was on level and I had to speak with someone else by the name of ******. I was denied for my POA stating it was fraudulent and I advised the manager **** in the fraud department that I did exactly what I was advised by one of your employees. Then I was advised by **** ********* not only did he deny the **** but he said he closed my husbands account. I asked why, when that was not requested, He told me that the account had been inactive for 60 days and he closed it. I asked another employee the next day how long can an account stay open before it is closed for non-activity. I was advised 6mths. I feel this is an "Abuse of Power". His account should have never been closed at the least. I have filed complaints thru the company and have yet to hear anything back.

  

  Business Response

  Date: 05/31/2022

  As stated in the complaint, ******************** submitted paperwork to become the ***** of ******** (POA) on her husbands account. The documentation provided was not signed properly, and therefore LMCU requested corrected notarized documentation. Upon receipt of the corrected documentation it was found to still be completed inaccurately and possibly contained altered information. Although the authorized notary did notarize the document that contained inaccuracies, LMCU was not willing to accept the paperwork. Due to the multiple attempts to be added to her husbands account and the altered documentation LMCU made the determination to close the account and issued a cashiers check made payable to her husband at the address listed on the account.
  
  An LMCU Representative spoke with ******************** after this decision was made, in which our concerns were explained and based on Ms.McIntoshs explanation, we do believe ******************** was acting in good faith. LMCU advised that she could negotiate the closed account check at any other Financial Institution that did recognize her authority as POA. ******************** stated that she understood our decision and agreed that this was an acceptable outcome, even while she was frustrated with the process.