The flavor-changing neutral current decay processes of the $B$ and $B_c$ mesons with the final states involving spin-$1/2$ particles are investigated. By considering the background of the Standard Model where $\nu\bar\nu$ contributes the missing energy and the experimental upper bounds for the branching fractions, we get the constraints of the coupling constants of the quark-antiquark and the assumed invisible particles $\chi\bar\chi$. The constraints of the coupling constants are then used to study the similar processes of the $B_c$ meson. At some specific region of $m_\chi$, the upper limit of BR($B_c\to D_{(s)}\chi\bar\chi$) is of the order of $10^{-6}$, while for BR($B_c\to D^\ast_{(s)}\chi\bar\chi$), it is $10^{-5}$. The possibility of distinguishing $\chi$ to be a Majorana or Dirac fermion by the differential branching fractions is also discussed.