CFPB Consumer Complaint Profile
Lake Michigan Credit Union
Behind the 145 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 145
- Total complaints
- Mid-range
- 63
- Last 12 months
- 100%
- Timely response
- Top decile
- 11
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Lake Michigan Credit Union sits at #1112, with 145 complaints logged. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #1112
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 11
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Lake Michigan Credit Union vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 35 in 2024 to 65 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 9 |
| 2023 | 26 |
| 2024 | 35 |
| 2025 | 65 |
| 2026year in progress | 10 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Lake Michigan Credit Union
The CFPB Consumer Complaint Database has logged 145 complaints against Lake Michigan Credit Union overall, with 63 of those filed in the trailing 12 months. Reports have come from consumers in 11 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Lake Michigan Credit Union draw a 100% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, the consumer-relief closure rate is 0.7%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Lake Michigan Credit Union have?
Lake Michigan Credit Union has 145 total consumer complaints filed with the CFPB, with 63 filed in the last 12 months.
Does Lake Michigan Credit Union respond to complaints on time?
Lake Michigan Credit Union's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Lake Michigan Credit Union?
The most complained-about product for Lake Michigan Credit Union is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Lake Michigan Credit Union?
The most common issue reported by consumers about Lake Michigan Credit Union is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Lake Michigan Credit Union?
You can file a complaint against Lake Michigan Credit Union directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Lake Michigan Credit Union?
Lake Michigan Credit Union has drawn CFPB complaints from 11 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Lake Michigan Credit Union have?
Lake Michigan Credit Union has 145 total consumer complaints filed with the CFPB, with 63 filed in the last 12 months.
Does Lake Michigan Credit Union respond to complaints on time?
Lake Michigan Credit Union's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Lake Michigan Credit Union?
The most complained-about product for Lake Michigan Credit Union is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Lake Michigan Credit Union?
The most common issue reported by consumers about Lake Michigan Credit Union is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Lake Michigan Credit Union?
You can file a complaint against Lake Michigan Credit Union directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Lake Michigan Credit Union?
Lake Michigan Credit Union has drawn CFPB complaints from 11 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.