Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
My husband and I closed on selling our home with Lake Michigan Credit Union on XXXX. We are waiting on our escrow overage check of {$9500.00} to be mailed to us. I was told it was mailed on XXXX to the address I asked the check to be mailed to. We never got the check, and have since moved. XXXX will not work with me at all, in a mutually agreeable way, to get me the money that is ours, and that we are legally owed. And they have said that kind of mail will not address-forward. 

The only option they have given is for my husband and I to both go to a branch, in person, together, to sign an indemnity letter - and get the letter notarized- to say we won't cash the check if we do somehow get it someday. This is unacceptable. We do not live close to a branch, and can't get there in person at the same time with our work schedules. I should not have to do extra work to get money I am owed. The check is lost in the mail. I asked XXXX to put a stop-order on the check, and re-issue it, and I was told they can't do that because it's a cashier 's check. Why are they sending cashier 's checks in the mail? That seems incredibly risky. If they would send a normal check, they could easily put a stop-order on it and re-send it to me. 

They have said if we won't come into a branch, I either have to wait for the check to be returned to them ( unlikely, because it is lost ), for them to re-issue it. Or wait 90 days for the check to expire, and then they will re-send it. I find all of this to be completely unacceptable. I didn't do anything wrong in this situation, and we are in need of our escrow overage now to put into our new home - not 100 days from now, if we can't get into a branch together. 

Please help us. XXXX said docusign isn't good enough for signing the indemnity letter, we both have to go to a branch in person. What if we moved out of the country? Or to a state that doesn't have a branch? This can't be the responsibility of the consumer to correct this error. XXXX needs to put a stop order on the lost check, and re-issue it to us, at our new address. I've spoken to XXXX at XXXX, tried to speak to his supervisor who was " too busy to talk to me ''. I've called multiple times over the past 3 weeks inquiring where our check was. They kept blaming " snail mail '', and assuring me it was on it's way, but I'm not even confident that they sent it in the mail at this point. They also didn't put a tracking number on the check, which seems incredibly irresponsible. Their process needs to change - write normal checks, not cashier 's checks, and put a tracking number on checks when mailing them out. A check for almost {$10000.00} with no tracking number is very irresponsible. But maybe done intentionally by XXXX so people give up trying, and never get their escrow overages they are legally owed? 

I'm looking forward to hearing from you, and for getting this resolved ASAP. Thank you.

Company response to consumer: Closed with explanation