Bank · complaint record
Lake Michigan Credit Union complaints
Consumers have filed 191 complaints about Lake Michigan Credit Union since 2022, 67 of them in the last 12 months (+18% on the year before). It answered 100% on time and closed 4% with relief for the customer - less often than a typical bank. The most common problem is incorrect information on your report.
Average response record. How it works
- Complaints on record
- 191
- Last 12 months
- 67
- Answered on time
- 100%
- Closed with relief
- 4%
- Last 30 days
- 1
- Rank
- #71 of 188
Since September 2022
+18% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Oct 27, 2026
Most complained-about banks & credit unions
Lake Michigan Credit Union complaints by month
The busiest month was September 2026 (10 complaints). Complaints in the last 12 months are up 18% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Lake Michigan Credit Union answered last 12 months
- Closed with monetary relief34.5%
- Closed with explanation6495.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers5/404.5% closed with relief
- Complaint trend8/15+18% vs last year
What Lake Michigan Credit Union complaints are about
Top Lake Michigan Credit Union problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 14
- Information belongs to someone else 7
- Account status incorrect 6
- Personal information incorrect 1
- Old information reappears or never goes away 1
Where Lake Michigan Credit Union complaints come from
Most complaints: Michigan (133), Florida (30), Texas (7), New York (4), Arizona (3).
Lake Michigan Credit Union compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Simmons First NationalBank accounts | 35 | 71 | D |
| 2 | East West BankBank accounts | 34 | 69 | F |
| 3 | Atlantic Union BanksharesBank accounts | 65 | 68 | B |
| 4 | Lake Michigan Credit UnionBank accounts | 58 | 67 | C |
| 5 | Bank OzkBank accounts | 52 | 66 | C |
| 6 | Cadence BankBank accounts | 93 | 62 | A |
| 7 | NBT BancorpBank accounts | 72 | 61 | B |
| 8 | Prosperity BancsharesBank accounts | 65 | 59 | B |
Compare side by side: Lake Michigan Credit Union vs Simmons First National · Lake Michigan Credit Union vs East West Bank · Lake Michigan Credit Union vs Atlantic Union Bankshares · Lake Michigan Credit Union vs Bank Ozk
What people say about Lake Michigan Credit Union
All experiencesNo experiences with Lake Michigan Credit Union yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Lake Michigan Credit Union complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Oct 15, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 14, 2026 | Bank accounts | Problem caused by your funds being lowOverdrafts and overdraft fees | Explained |
| Oct 10, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 2, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Sep 28, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Sep 24, 2026 | Payday & personal loans | Problem with the payoff process at the end of the loan | Explained |
| Sep 22, 2026 | Mortgages | Struggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu | Explained |
| Sep 16, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageDelays in the application process | Explained |
| Sep 14, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Sep 9, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 9, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
Questions about Lake Michigan Credit Union
How many complaints does Lake Michigan Credit Union have?
Lake Michigan Credit Union has 191 complaints on record since September 2022, including 67 in the last 12 months and 1 in the last 30 days. That makes it number 589 of every company by complaints this year.
Does Lake Michigan Credit Union respond to complaints?
Yes. Lake Michigan Credit Union answered 100% of its complaints on time (within 15 days) and closed 4% with relief - money back or a fix; 4.5% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 58/100 (grade C).
What do people complain about most with Lake Michigan Credit Union?
The most common problems are incorrect information on your report (29), managing an account (28), improper use of your report (22).
Is Lake Michigan Credit Union legit?
Lake Michigan Credit Union is a real company with a public complaint record: consumers have complained about it 191 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Lake Michigan Credit Union legit? for the signals, red flags and how to protect yourself.
Are complaints about Lake Michigan Credit Union going up or down?
Up. There were 67 complaints in the last 12 months against 57 in the 12 before (+18%). See every month.
How do I file a complaint against Lake Michigan Credit Union?
Complain to Lake Michigan Credit Union in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Lake Michigan Credit Union complaints come from?
Most come from Michigan (133), Florida (30), Texas (7). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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