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LAKE MICHIGAN CREDIT UNION - Florida Company Profile

Company Details

Entity Name: LAKE MICHIGAN CREDIT UNION
Jurisdiction: FLORIDA
Filing Type: Foreign Non-Profit
Status: Active

The business entity is active. This status indicates that the business is currently operating and compliant with state regulations, suggesting a lower risk profile for lenders and potentially better creditworthiness.

Date Filed: 16 Jul 2015 (10 years ago)
Last Event: CORPORATE MERGER
Event Date Filed: 17 Dec 2021 (3 years ago)
Document Number: F15000003097
FEI/EIN Number 381215360

Federal Employer Identification (FEI) Number assigned by the IRS.

Address: 5664 PRAIRIE CREEK DR, CALEDONIA, MI, 49316, US
Mail Address: P.O. BOX 2848, GRAND RAPIDS, MI, 49501
Place of Formation: MICHIGAN

Key Officers & Management

Name Role Address
TELLMAN GRETHEN Chairman P.O. BOX 2848, GRAND RAPIDS, MI, 49501
LEONARD JULIE Chief Executive Officer P.O. BOX 2848, GRAND RAPIDS, MI, 49501
Dann Peter Chief Financial Officer P.O. BOX 2848, GRAND RAPIDS, MI, 49501
Raffa Kaylee CHIE P.O. BOX 2848, GRAND RAPIDS, MI, 49501
BARDOLPH DAVE Director P.O. BOX 2848, GRAND RAPIDS, MI, 49501
Bob White Director P.O. BOX 2848, GRAND RAPIDS, MI, 49501
KIKER JACK EIII,ESQ Agent 2010 DELTA BLVD., TALLAHASSEE, FL, 32303

Fictitious Names

Registration Number Fictitious Name Status Filed Date Expiration Date Cancellation Date Mailing Address
G21000138223 NAFCO ACTIVE 2021-10-13 2026-12-31 - PO BOX 2848, GRAND RAPIDS, MI, 49501
G21000138226 PILOT, A PART OF LAKE MICHIGAN CREDIT UNION ACTIVE 2021-10-13 2026-12-31 - PO BOX 2848, GRAND RAPIDS, MI, 49501
G21000138225 NATIONAL AIRCRAFT FINANCE COMPANY ACTIVE 2021-10-13 2026-12-31 - PO BOX 2848, GRAND RAPIDS, MI, 49501
G18000108212 LMCU EXPIRED 2018-10-03 2023-12-31 - PO BOX 2848, GRAND RAPIDS, MI, 49501
G18000027528 ENCORE, A PART OF LAKE MICHIGAN CREDIT UNION OF FLORIDA ACTIVE 2018-02-26 2028-12-31 - PO BOX 2848, GRAND RAPIDS, MI, 49501
G18000027332 LAKE MICHIGAN CU OF FLORIDA ACTIVE 2018-02-25 2028-12-31 - PO BOX 2848, GRAND RAPIDS, MI, 49501
G18000027334 LAKE MICHIGAN CU MORTGAGE OF FLORIDA ACTIVE 2018-02-25 2028-12-31 - PO BOX 2848, GRAND RAPIDS, MI, 49501
G18000027333 LAKE MICHIGAN CREDIT UNION OF FLORIDA ACTIVE 2018-02-25 2028-12-31 - PO BOX 2848, GRAND RAPIDS, MI, 59501

Events

Event Type Filed Date Value Description
CHANGE OF PRINCIPAL ADDRESS 2023-04-05 5664 PRAIRIE CREEK DR, CALEDONIA, MI 49316 -
MERGER 2021-12-17 - CORPORATION WAS A MERGER RESULT. TOTAL NUMBER OF QUALIFIED CORPORATION(S) INVOLVED WAS 1. MERGER NUMBER 900000221399
MERGER 2018-04-20 - CORPORATION WAS A MERGER RESULT. TOTAL NUMBER OF QUALIFIED CORPORATION(S) INVOLVED WAS 1. MERGER NUMBER 100000181141

Documents

Name Date
ANNUAL REPORT 2024-03-07
ANNUAL REPORT 2023-04-05
ANNUAL REPORT 2022-03-08
Merger 2021-12-17
ANNUAL REPORT 2021-05-12
ANNUAL REPORT 2020-01-14
ANNUAL REPORT 2019-04-09
Merger 2018-04-20
ANNUAL REPORT 2018-02-27
ANNUAL REPORT 2017-04-10

CFPB Complaint

Complaint Id Date Received Issue Product
11008675 2024-12-03 Managing an account Checking or savings account
Issue Managing an account
Timely Yes
Company LAKE MICHIGAN CREDIT UNION
Product Checking or savings account
Sub Issue Problem accessing account
Sub Product Checking account
Date Received 2024-12-03
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-12-03
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided Consent not provided
6289578 2022-12-06 Managing an account Checking or savings account
Issue Managing an account
Timely Yes
Company LAKE MICHIGAN CREDIT UNION
Product Checking or savings account
Sub Issue Problem using a debit or ATM card
Sub Product Checking account
Date Received 2022-12-06
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-12-06
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided Consent not provided
10829013 2024-11-17 Managing the loan or lease Vehicle loan or lease
Issue Managing the loan or lease
Timely Yes
Company LAKE MICHIGAN CREDIT UNION
Product Vehicle loan or lease
Sub Issue Problem with fees charged
Sub Product Loan
Date Received 2024-11-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-11-19
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided Other
7298243 2023-07-24 Problem with a purchase shown on your statement Credit card or prepaid card
Issue Problem with a purchase shown on your statement
Timely Yes
Company LAKE MICHIGAN CREDIT UNION
Product Credit card or prepaid card
Sub Issue Credit card company isn't resolving a dispute about a purchase on your statement
Sub Product General-purpose credit card or charge card
Date Received 2023-07-24
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-07-24
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint What Happened In XX/XX/XXXX, I purchased a sofa from XXXX XXXX. In XXXX of XXXX, I was informed that XXXX XXXX completed an XXXX process to sell their company to another company and that my order was never produced. I was given the option to cancel my order and submit a claim for the amount of money I spent. I did so. I was told to wait until XXXX XXXX for a resolution. XX/XX/XXXX of XXXX, I found out that the company responsible for settling XXXX XXXX debts would not be paying out my claim. So I was out that money for a product I never received. I am waiting for XXXX to resolve this dispute and refund my XXXX dollars.
Consumer Consent Provided Consent provided
7341148 2023-08-02 Problem with a purchase shown on your statement Credit card or prepaid card
Issue Problem with a purchase shown on your statement
Timely Yes
Company LAKE MICHIGAN CREDIT UNION
Product Credit card or prepaid card
Sub Issue Credit card company isn't resolving a dispute about a purchase on your statement
Sub Product General-purpose credit card or charge card
Date Received 2023-08-02
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-08-02
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint What Happened In XXXX of 2022, XXXX XXXX, I purchased a sofa online from XXXX XXXX. I was told Id receive it within 8-10 weeks. After 8 weeks passed and I hadnt heard anything, I reached out to the company, was told they were going through an acquisition and to keep an eye on their order update page. I checked back constantly, and in XXXX I finally learned that they had not produced my order and I wouldnt be receiving it. So they told me to file a claim with the company handling their finances during the dissolution of the company. And to wait until XX/XX/XXXX for a resolution. So I did what they said. And I waited. And I filed a dispute with XXXX XXXXhe first week of XXXX after finding out I would not be getting a refund. And now my bank and XXXX have told me that there is nothing they can do to get my money back. But I know thats a lie. Because Ive spoken to others in my situation who are getting their money refunded by their credit cards and banks. I really need to have my money refunded. I paid for a good that was never delivered. The company took my money and walked away with it. It was nearly XXXX dollars.
Consumer Consent Provided Consent provided
8346968 2024-02-14 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company LAKE MICHIGAN CREDIT UNION
Product Credit reporting or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2024-02-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-02-14
Consumer Consent Provided Consent not provided
8105158 2024-01-04 Improper use of your report Credit reporting or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company LAKE MICHIGAN CREDIT UNION
Product Credit reporting or other personal consumer reports
Sub Issue Reporting company used your report improperly
Sub Product Credit reporting
Date Received 2024-01-04
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-01-04
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint What Happened According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. FCRA section611 ( A ) ( 1 ) FCRA section 623 FCRA section 604 ( A ) ( 3 ) Remove any old or duplicate addresses from my report they are a non mailable address Remove any old or duplicate phone numbers Remove any variations of your name that are incorrect Place a security freeze on all your reports Opt out of the following agencies XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer Consent Provided Consent provided
6091093 2022-10-16 Improper use of your report Credit reporting, credit repair services, or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company LAKE MICHIGAN CREDIT UNION
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Reporting company used your report improperly
Sub Product Credit reporting
Date Received 2022-10-16
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-10-16
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint What Happened In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer Consent Provided Consent provided
6787243 2023-04-03 Problem with a lender or other company charging your account Checking or savings account
Issue Problem with a lender or other company charging your account
Timely Yes
Company LAKE MICHIGAN CREDIT UNION
Product Checking or savings account
Sub Issue Transaction was not authorized
Sub Product Checking account
Date Received 2023-04-03
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-04-03
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint What Happened XXXX XXXX & XXXX XXXX ( estimator ) scammed or defraud e. They sent me a contract to perform a bath remodel. I paid a {$1100.00} deposit which was half of the job cost and then disappeared with my money. I contacted the fraud department at the bank but they refused to trace the check # XXXX or charge it back to the bank account it was deposited to. The only information I have on the company and estimator is Phone Number : XXXX Florida XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Filing Information Document Number : XXXX FEI/EIN Number : XXXX Principal Address & Mailing Address Registered Agent Name & Address XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX FL XXXX Authorized Person ( s ) Detail Name & Address Title MGR : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX FL XXXX
Consumer Consent Provided Consent provided
8629618 2024-03-26 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company LAKE MICHIGAN CREDIT UNION
Product Credit reporting or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2024-03-26
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-03-26
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided N/A

Date of last update: 02 Mar 2025

Sources: Florida Department of State