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 88 locations, listed below.

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  Lake Michigan Credit Union - All Locations

  PO Box 2848 Grand Rapids, MI 49501-2848

  
• 

  Lake Michigan Credit Union - All Locations

  4130 32nd Ave Hudsonville, MI 49426-8406

  
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  Lake Michigan Credit Union - All Locations

  342 Michigan St NE Grand Rapids, MI 49503-3315

  
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  Lake Michigan Credit Union - All Locations

  3870 Division Ave S Grand Rapids, MI 49548-3267

  
• 

  Lake Michigan Credit Union - All Locations

  4100 32nd Ave Hudsonville, MI 49426-8406

  

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.