Complaints
This profile includes complaints for LMCU's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 37 total complaints in the last 3 years.
- 9 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:12/13/2022
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
LMCU bought my bank *********** in *******). On the day of transfer (12/05/22), a fraudulent transaction for a significant sum occurred. Rather than credit my account like other reputable financial institutions, they just let it stand while they "resolved" it. It has now been a week and they have done nothing. Luckily, I can manage the debit but most people would have bouncing checks and fees applied by now. I am quite disgusted. I have contacted the company where the transaction appeared to come from (***********) and they were more than helpful and can find no sign of the transaction at their end. They siggested steps that LMCU should take (but clearly haven't)WITHDRAWAL *********** TYPE: PREMIUM ID: ********** DATA: ************ CO: *********** %% ACH ECC CCD %% ACH Trace ***************
Business Response
Date: 12/19/2022
We received the complaint from the above referenced individual and have addressed their concerns by phone on 12/19/2022. In the interest of confidentiality, we are unable to provide the details of our resolution. Per the complainants discretion, they may share our response with you directly.Customer Answer
Date: 01/05/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*********************Initial Complaint
Date:12/09/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I applied for a debit card online on 9/26 and they made a hard inquiry without my permission.Business Response
Date: 12/16/2022
We received the complaint from the above referenced individual and have contacted them by phone,on 12/16/2022, to address their concerns. In the interest of confidentiality,we are unable to provide the details of our resolution. Per the complainants discretion, they may share our response with you directly.Initial Complaint
Date:11/25/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Walked into the ************ location to open an account for my teenager. Only to be told those are appointment only and was turned away. There was NOTHING on their website that it states appointment only.Business Response
Date: 12/06/2022
We received the complaint from the above referenced individual and have addressed their concerns by phone on 11/28/2022. In the interest of confidentiality, we are unable to provide the details of our resolution. Per the complainants discretion,they may share our response with you directly.Initial Complaint
Date:11/11/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
When I sign up for the account is specifically asks you, do you want us to reject overdraft charges or allow them to go through and charge you a fee? And I specifically said no. Do not allow the account to go over draft. Come to find out all these things are coming through the account overdrafting the account all the time and then they say that it's because it's going through as a bill payment and not as a a card payment when every single one of those payments are done by card. Not one of them has a routing number or an account number for them to be charging me and overdraft fee as if it's an ACH payment when it's not. If it's putting through with a card number then it is not and bill payment. It is gone through the card and should be rejected and yet this bank continuously keeps charging me overdraft fees when I specifically ask them not to for any transaction that is not an ACH transaction and none of the transactions that have come through are ACH transactions and yet they keep trying to charge me for something I specifically signed off to not do and every time I call in they explain this and yet this is still a problem so obviously they need to change their protocol or get rid of the whole thing in their signup process. Asking you if you want to not have overdraft fees because it's a lie because they'll keep letting things come through regardless. I have never dealt with an institution that is so backwards on what your signup policy is compared to what actually happens. I have never had this happen with any other bank. Any other bank that says they do not allow overdrafts mean they do not allow overdrafts. If my routing number and my account number it is not included in the payment then it is not an ACH payment and it should not be getting overdrafted for it. You need to change the wordage of your signup process or don't offer it if you're just going to go back on your wordBusiness Response
Date: 11/22/2022
We received the complaint from the above referenced individual and have attempted to contact them on 11/21/2022 and 11/22/2022 to address their concerns. If the complainant returns our call, they may share our response with you directly.
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