What is the most common complaint against Lake Michigan Credit Union?

The most common issue consumers report about Lake Michigan Credit Union is "Written notification about debt", specifically "Threatened or suggested your credit would be damaged". This is based on 9 complaints filed with the CFPB.

Are complaints against Lake Michigan Credit Union increasing or decreasing?

Complaints against Lake Michigan Credit Union are rising. The company received 8 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Lake Michigan Credit Union's reputation grade?

Lake Michigan Credit Union has a reputation grade of B (score: 63.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Lake Michigan Credit Union respond to consumer complaints?

Lake Michigan Credit Union has a 100% timely response rate to CFPB complaints.

In how many states does Lake Michigan Credit Union operate?

Lake Michigan Credit Union has received CFPB complaints from consumers in 4 states, with the most complaints from Michigan (5 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Lake Michigan Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade B.

Compiled by PlainCollector

Written notification about debt

4
Took or threatened to take negative or legal action

4
Attempts to collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record lake-michigan-credit-union Lake Michigan Credit Union

Grade B · 9 CFPB filings · 100% timely · lead issue: Written notification about debt · vol #2613 · compose #1922

VOL 9
GRADE B
12MO 8
STATES 4
TIMELY 100%
ISSUE Written notification about…
RANK #2,613
COMPOSE #1,922

Volume peers

Nearest volume peer: 1st Results Billings & Collections, Inc. (9 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Lake Michigan Credit Union's 9 CFPB complaints sit next to 1st Results Billings & Collections, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

55.6% of Lake Michigan Credit Union's CFPB filings land in Michigan

High volume does not equal a clean composite: Lake Michigan Credit Union is volume #2,613 but composite #1,922, while Michigan dominates the geography. Corpus placement method.

Dominant state: Michigan 55.6%; 5 of 9 filings · 4 states touched
Spike month: 2014-03 16.7%; 3 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,613 volume; #1,922 composite; Cleanest-composite ladder is 691 places better than volume

How does Lake Michigan Credit Union compare to its peers?

How does LAKE MICHIGAN CREDIT UNION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

LAKE MICHIGAN CREDIT U… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

67%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-01 2017-06

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	4
Took or threatened to take negative or legal action	4
Attempts to collect debt not owed	1

Where do complaints against Lake Michigan Credit Union come from?

Lake Michigan Credit Union's own per-state count, not a national baseline.

Michigan

5
Texas

2
Florida

1
Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Lake Michigan Credit Union: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 9.

4 peers

Know your rights before responding to Lake Michigan Credit Union: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.