ComplaintsforVystar Credit Union
Credit Union
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Complaint Details
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Initial Complaint
03/07/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Recently I spoke with ******** * **** who refused to waive my fee for express delivery. Although I have never used the service was a waiver nor have, I paid I was informed that I did not qualify for the fee to be waived. I explained my situation however it was continuously met denials. I then was able to speak with **** * ***** Neither individual should be in management. I am not a long-time member however I had plan on being one but it's been estab***hed that since I am not a member that had such large deposits I do not matter. Their customer service was a terrible refection on the company as a whole because they showed that no matter your situation the answer will always be no. **** * said out of her own mouth that vystar used to provide waivers and also still does, but I did not meet the criteria I even explained how offensive that came off to me. Was it due to my ethnicity as to why the fee could not be waived or due to the fact that I am not a top dollar member. No reasonable explanation could be provided nor nothing in the policies. I am now unable to pay bill with certain companies because they do not have pay with your account and routing number or bill pay but again ***a and ******** made it very clear that Vystar could care less, and I will be waiting more than ** days for my card because I cannot afford the rush fee, nor could the fee be waived for me.Business response
03/26/2024
Please see the attached complaint response for **** ****r (ID #**********Initial Complaint
02/28/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This bank has stolen money from me . My balance that should have been paid off went from *** *ollars to *** *ollars. They are a cricket company.Business response
03/18/2024
Please see the attached complaint response for ******* ********* (ID #**********Initial Complaint
02/23/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this account that's reporting on my credit report from VyStar credit Union. I have not been provided the original contract as requested.Business response
03/11/2024
lease see the attached complaint response for ****** ***** *** ***********Initial Complaint
02/21/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to express my serious concern about the disclosure of my personal information to credit bureaus, leading to inaccuracies on my credit report. This situation has caused significant financial and emotional distress. As stated in ** *** **** ******* **** I assert my right to financial privacy and expect my information to be treated confidentially. Moreover, ** *** **** ******* ********* emphasizes that a consumer reporting agency cannot share account information without my explicit consent, which I have not provided. I have identified discrepancies on my credit report related to VYSTAR CU, negatively impacting my financial situation. I urgently request the corr****** of these errors. Additionally, I wish to highlight ** *** *******, which prohibits creditors from treating credit card payments as late under specific circumstances. For your reference, my account information is as follows: Account Number: **************** I request a thorough review of my account, immediate rectification of credit report inaccuracies, and strict adherence to federal regulations governing my information. Failure to address these issues promptly may result in legal action. I appreciate your prompt attention to this matter. Sincerely, ********* ********Customer response
03/05/2024
I'm reaching out to express my grave concern about the disclosure of my personal data to credit bureaus, leading to inaccuracies on my credit report. This situation has caused significant financial and emotional distress. As per ** *** **** ******* **** I affirm my right to financial privacy and expect my information to be treated confidentially. Moreover, ** *** **** ******* ********* underscores that a consumer reporting agency cannot share account details without my explicit consent, which I haven't provided. I've identified discrepancies on my credit report attributed to VYSTAR CREDIT UNION, adversely affecting my financial situation. I urgently request the corr****** of these inaccuracies. Additionally, I'd like to emphasize ** *** *******, which prohibits creditors from treating credit card payments as late under specific circumstances. For your reference, my account information is as follows: Account Number: **************** I request a thorough review of my account, immediate rectification of credit report inaccuracies, and strict adherence to federal laws governing my information. Failure to address these concerns promptly may result in legal action. I appreciate your prompt attention to this matter. Sincerely, ******** ********Business response
03/11/2024
Please see the attached complaint response for ********* ******** (ID #**********Initial Complaint
02/20/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I have an chart off from VYSTAR CREDIT UNION on my credit report and is negatively affecting me to purchased my first house I realized that they sell it to Steel River Systems and is a collection so is on my credit 2 times with different names well I call Steel River Systems and they offer me a settlement to pay my debt I did pay them ****** and pay them before the * moths please if they could delete they account from my credit report will help me a lot in the process to purchase my first home current balanced is 0 please see the attached for reference thank you!Business response
03/11/2024
Please see the attached complaint response for ***** ****** ******** (ID #**********Initial Complaint
02/08/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
In summary VyStar has been drafting money out of my account without fail for 18 months and refuses to show me where this money is going. Instead they have been tacking on fees and penalties, and eventually repossessed my vehicle without any warning or willingness to allow me to pay down to current. Expanded version below: VyStar has been tough to work with from Day 1, but it wasn't until they repossessed my vehicle for erroneous reasons did I have enough. Now, they won't allow me to get my vehicle back (They're the lien holder on my auto loan) without the full loan paid in full plus repo fees with 1 week to find such liquidation. They state that they've made multiple claims to contact me but they have not called or e-mail a single time. I received 1 piece of mail last October and rushed down to their office immediately, only to be reassured it was an error on their end and there was nothing to be concerned with. Now, with no further explanation and continuous auto-draft payments made every month, my vehicle was repossessed. Their explanation has been all over the place but ranged from not having made a payment since September (just sent e-mail contradicting this notion) to having the incorrect insurance in place (attached e-mail elaborates on how they interest was covered via Collateral Protection Insurance). Any time there has been any issue whatsoever, I've driven dow to the office and made sure it was fixed. There was always much confusion with their systems as to what was causing the issues, but I was assured everything was current and that I'd receive paperless notice on all communication moving forward (spotty mail system at my condo and I'm rarely in town). They won't take payment for what's past due, they won't extend the date by a single day to pay in-full and they keep sending me in loops to understand where my payments have gone or how to find out what the total owed is. mention of attorney (even though I don't have one) they shut you out completely.Initial Complaint
02/05/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
On Ja***** ** **** I made a ******* deposit through the ATM from an Estates check that I have deposit several times with this establishment. The funds were available to me that day. I contacted the CU ******* ** **** to make a payment to the over draft of $***. The customer service rep that assisted me said. My funds was not available they have put a 10 day hold. i’ve been asked what was the whole for she said because it was the man on the check and it went through the ATM. I told her thank you I will come in person to verify who I am so that you know that it was not a fraudulent transaction. When I got to the bank and request to speak and a manager, they refused to talk to me. They refused to release my funds I said OK I waited a few days. I came back a week later still the same these people. I only want it them to see that they owe me $1680 for the overpayment of my line of credit that shouldn’t have never been used. The young lady that I involved did not help resolve the issue. Two people that are involved are ****** and ******. They have no business working for the company. They have no compassion and not the correct protocol because of the notes that was on my account. So I have been a valued customer I thought for over 25 years with them and every time I come into the bank to release my funds but to put someone’s whole entire amount on hold when the money was there which was ********* To me all I wanted was to make money off me and did not review the information that was in front of them to see that I owe them only the ***+ the fees I want to refund of the money that they “STOLE” from meBusiness response
02/14/2024
Please see the attached complaint response for ***** ****** (ID #*********.Initial Complaint
01/30/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
Vystar put a hold on my retirement check. I want my money released.Business response
02/15/2024
Please see the attached complaint response for ******* ****** (ID #*********.Business response
02/15/2024
Please see the attached complaint response for ******* ****** (ID #*********.Initial Complaint
01/16/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have been a member of Vystar for many years. Just recently Vystar turned off my card due to possible fraud ( I was told when I called) I never got a notification, a call a text an email or anything looking to confirm this. I found out after I could not pay a bill. It was in fact NOT fraud. I called the call center and spoke to a girl about this. I explained it was not fraud and she was to turn my card back on. She said she did. She was rude and wouldn't let me speak and kept interrupting me throughout the whole call. (VERY poor customer service) This was yesterday. Today I went back to the vendor I needed to pay yesterday and still could NOT submit the payment. The girl did NOT turn my card back on and today is a holiday. The bank and call center is closed. I cannot access my money. I am running a small business and need my money to conduct it. This is the second time this has happened to me in the past 2 years. The last time being at Christmas! Vystar is acting like a bratty child or in this case, a governmental institute who does what they want without accountability or thought of what it's affecting. This is a financial institute dealing with peoples money, businesses and lives. I am considering pulling out all my money and going somewhere else now. I have had enough with the games.Initial Complaint
01/16/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
It appears that this item on my credit report has turned into a charge off, but I noticed you never sent me a ***** I Requested a ***** haven't received for a cancellation of debts of this item due. My resolution - Please remove from credit report. ****** ******* *** ** **** *** **** ***** ** *****Business response
02/02/2024
Please see the attached complaint response for ****** ******* (ID ***********
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Customer Complaints Summary
195 total complaints in the last 3 years.
74 complaints closed in the last 12 months.