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          Business Profile

          Credit Union

          LAFCU

          This business is NOT BBB Accredited.

          Find BBB Accredited Businesses in Credit Union.

          Complaints

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          Complaint Details

          Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

          Showing all complaints

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          Complaint Status
          Complaint Type

          • Initial Complaint

            02/03/2025

            Complaint Type:
            Product Issues
            Status:
            Answered
            The most unprofessional credit union. Theyre rude, unfeeling, and uncaring. First off, they turned off my card without notifying me. Right after I went to the bank one or two weeks before and got the card. Why did they give me a card? They talked down to me like they own my money. Two, I went to go pay off my overdraft fees which by the way, they changed to 99 cent. So, I was pretty much screwed out of my money. The same money, I took there to fix it and load extra money into it. I want my money back!!! Now, I have to go get me my money. Because I have no card to buy my medicine online. I dont even have a car. I have to wait until I can get a ride there. They tell me to use checks. Who still does that? All because I disputed a charge. Apparently, Im just supposed to pay for something I didnt do. How dare I dispute a charge? Fraud which is illegal. When I talked to someone about it they unfeeling and said theyre keeping the decision. They didnt even try to hear me out. AlsoThe first **** I talked to, talked down to me.

            Business response

            02/11/2025

            Tuesday, February 11, 2025

            Re:       Complainant:  ******* *********

            ******* ********* opened her account with ********************** on 12/13/24 and she was issued a debit card at that time. At the time of account opening on 12/13/24, she signed up for overdraft protection on her account. From 12/25/24 to 12/26/24 she incurred 13 overdraft fees for $32 each. On 12/26/24, we reversed 8 of those fees. On 12/28/24 Ms. ********* incurred 5 more $32 overdraft fees, and on 1/10/25 we reversed 4 of them. Our board of directors has reduced our fees to $0.99, retroactive to January 1, 2025. The fees ************ referenced were prior to ************************************************ our membership agreement. The desired settlement stated by Ms. ********* was a refund. We believe that by reversing 12 of Ms. ********** ************************************** accordance with our membership agreement, we have gone above and beyond. Upon reversing the fees on 1/10/25, we turned off the debit card due to abuse. We also mailed an adverse action letter to ************ on 1/10/25 letting her know the debit card had been closed.

            Respectfully submitted,

            ***** *******
            Audit Coordinator
            LAFCU
            ************

          • Initial Complaint

            09/15/2023

            Complaint Type:
            Order Issues
            Status:
            Answered
            I had a loan for a vehicle with this bank. I was involved in a hit and run, and my vehicle was totaled. I send the bank proof that this vehicle was totaled and at that time I was informed that the bank had been charging extra for insurance. They told me to send proof to get a refund for all the months they overcharged me. I did send them all they wanted, now they want my insurance company to send proof that this bank is the lien holder. State Farm tell me they do not ask who the lien holder is. My question is what can I do, where do I get help?

          • Initial Complaint

            01/21/2023

            Complaint Type:
            Billing Issues
            Status:
            Answered
            The Credit union put my account on hold for a check that was given to ** on care that was given, and the credit union refused to cash the check which is fine since we could cash the check at his bank but instead, they also put a lock on are account and my direct deposit checks was locked. I went in on 01/13/2023 and drawled my money so I could pay my bills since o transactions was going in or coming out of the Credit Union. So, after I **** the money out the next week, they were allowing transaction to go in and out and over drawn my account and they refused to reimburse the charges since there was no communication, they fully unlocked it my account. So, I wasn't to be reimbursed for the ****** overdraft fees.

          • Initial Complaint

            10/27/2022

            Complaint Type:
            Sales and Advertising Issues
            Status:
            Answered
            ***************** at LAFCU . Started yelling at me about my account when I had questions on the fraudulent loan transactions done. She lied and told me I had made late payments and I owed more money. I made a $2,000 deposit to my checking account and now my deposit has disappeared. I believe she went into my account and took my money. She was rude and nasty towards me and kept talking over me being dismissive of everything I would say.

          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. ↩

          BBB Rating & Accreditation

          B-

          This business is not BBB Accredited

          Search for Accredited
          Businesses in this category

          Years in Business: 89

          Customer Reviews are not used in the calculation of BBB Rating

          Reasons for BBB Rating

          Contact Information

          P.O. Box 26188

          Lansing, MI 48909

          Visit Website
          (517) 622-6600

          Customer Complaints Summary

          10 total complaints in the last 3 years.

          2 complaints closed in the last 12 months.

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