Lake Michigan Credit Union
163 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Lake Michigan Credit Union
Lake Michigan Credit Union's 163 logged complaints stay concentrated: only 14 states show a filing on record. 44.2% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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.
Frequently Asked Questions
How many CFPB complaints does Lake Michigan Credit Union have?
163, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Lake Michigan Credit Union respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Lake Michigan Credit Union?
"Managing an account", filed under the "Checking or savings account" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.