CFPB · Diversified product mix
Lake Michigan Credit Union
163 CFPB complaints · diversified mix (top product 31.3%) · top issue Managing an account.
Lake Michigan Credit Union: top product "Checking or savings account" is only 31.3% of 163 - multi-bucket mix. Timely 100% · relief 1.2%. Allegations, not findings.
- Diversified product mix
- +211.1% filings 2022 to 2026
CFPB relief outcome brief
CCDB company lake-michigan-credit-union
1.2% relief · 100% timely · 163 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: N26 Inc. (1.1% relief)
Lake Michigan Credit Union closes 1.2% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Lake Michigan Credit Union's 163 filings include narrative text
44.2% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Lake Michigan Credit Union complaint mix by product
- Checking or 51 33.8% – 2% relief
- Credit reporting 44 29.1% – 0% relief
- Mortgage 22 14.6% – 0% relief
- Vehicle loan 12 7.9% – 8% relief
- Debt collection 9 6.0% – 0% relief
- Credit card 7 4.6% – 0% relief
- Credit card 6 4.0% – 0% relief
How Lake Michigan Credit Union's 163 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 51 |
| Credit reporting or other personal consumer reports | 44 |
| Mortgage | 22 |
| Vehicle loan or lease | 12 |
| Debt collection | 9 |
| Credit card or prepaid card | 7 |
| Credit card | 6 |
| Payday loan, title loan, personal loan, or advance loan | 5 |
| Money transfer, virtual currency, or money service | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Payday loan, title loan, or personal loan | 1 |
Concentrated filing states for Lake Michigan Credit Union
Top states by attributed CFPB complaint volume for this company
- Leading state
- MI
- 68.1% of this company's filings
Lake Michigan Credit Union rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 28
- +211.1% vs 2022
Top States
| State | Complaints |
|---|---|
| MI | 111 |
| FL | 26 |
| TX | 7 |
| NY | 4 |
| AZ | 3 |
| OH | 2 |
| VA | 2 |
| PA | 2 |
| NC | 1 |
| IN | 1 |
| IL | 1 |
| GA | 1 |
| CA | 1 |
| SC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 26 |
| Incorrect information on your report | 24 |
| Improper use of your report | 17 |
| Trouble during payment process | 12 |
| Problem caused by your funds being low | 11 |
| Problem with a company's investigation into an existing problem | 8 |
| Managing the loan or lease | 7 |
| Problem with a purchase shown on your statement | 6 |
| Problem with a lender or other company charging your account | 5 |
| Opening an account | 5 |
| Applying for a mortgage or refinancing an existing mortgage | 4 |
| Struggling to pay mortgage | 4 |
| Written notification about debt | 4 |
| Took or threatened to take negative or legal action | 4 |
| Closing an account | 3 |
| Repossession | 3 |
| Fraud or scam | 3 |
| Other features, terms, or problems | 2 |
| Struggling to pay your loan | 2 |
| Closing on a mortgage | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 9 | 100% |
| 2023 | 26 | 100% |
| 2024 | 35 | 100% |
| 2025 | 65 | 100% |
| 2026 | 28 | 100% |
Source: CFPB Consumer Complaint Database
Lake Michigan Credit Union spreads across product buckets
Lake Michigan Credit Union's 163 logged complaints stay concentrated: only 14 states show a filing. 44.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2022 through 2026-06-06.
Lake Michigan Credit Union answers 100% of complaints inside the CFPB's tracked window and closes 98.8% with a written explanation. 1.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Managing an account."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Lake Michigan Credit Union.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Lake Michigan Credit Union: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 163.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Lake Michigan Credit Union (100% timely; 1.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix