ComplaintsforVystar Credit Union

• Initial Complaint

  01/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I received a repair on my washing machine, I was charged ****, despite the machine being under a year old and having extended warranty. I have made several attempts to phone the business but been told I can only speak to a specific employee about my concerns, ******** Despite calling multiple times, ***** has never been available to speak to when I phone. I purchased the washing machine from Lowes store late **** ****, less than a year later during a wash cycle, the machine stopped working and the water would not drain. I called Amana/Whirlpool and scheduled a repair for 2 weeks later. I was informed that my washing machine was under warranty and there would not be a service charge. The water did not drain during these 2 weeks and I had no use of my washer. The service repair company that Amana arranged, was "LTE Repairs". A worker came to my home and fixed the washing machine, there was never a single mention of a charge before or during. He drained the water, and informed me I would not have been able to drain the water as it requires a special admin code that only he had. After he fixing the washer, he told me that due to there being some lint in the drain pipe, the charge would be ****. There was never an option to discuss this, and it was not discussed at any time during our interactions. My machine only cost 45*$ total to begin with, had I known of this charge I would not have opted to have the washer fixed with this company, I have friends and family that could have helped with this problem. I only went through Amana and therefore, LTE, because my washing machine was under a year old and we had extended warranty and had been told there would not be a charge. I have called Amana again since this took place many times and they have unfortunately been unable to help either and asked me to directly reach out to LTE. I have tried to fix this through Vystar and they have closed my complaint as I did not respond promptly enough due to being unwell in hospital.

  Customer response

  01/10/2024

  This complaint is to Vystar. I opened a claim with them regarding the matter with the washing machine. They sent me a letter stating I had ** days to respond, but I didn’t receive the letter until weeks after they had sent it and I spent a week in the ER and then was bed bound for a week, so they closed the case.

  Business response

  01/31/2024

  Please see the attached complaint response for ******* ***** (ID #********

• Initial Complaint

  01/02/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I'm not liable for this debt with Vystar Credit union. I do not have a contract with Vystar Credit union They did not provide me with the original contract as I requested

• Initial Complaint

  12/08/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On ******* *** ****, Vystar Credit Union e*ployees na*ed **** and ****** at the Jacksonville, Florida location, on another occasion ******* rudely treated *e and *y *other disrespectfully. These na*es are recalled because these e*ployees behaved unprofessionally. **** placed *e on hold after he received *y *e*ber's verification. He never returned. Thereafter, ****** of *e*ber solutions ca*e on *aking de*ands fro* *e and she *ade accusations of the account being charged off when the account was finalizing the **th the GAP &a*p; extended warranty process. ****** also said these things after she was asked if the call was being recorded. She stated that the call was being recorded. She was then told there was no announce*ent of this action of recording this call, nor did she receive authorization to record. I asked for this call’s recording, then she hung up the telephone on *e and *y *other (****** ****** and ***** ********). The process of closing out a total loss clai* has been quite frustrating with this co*pany (Vystar Credit Union). The behavior displayed would not *ake *e refer this credit union to anyone. We experienced another encounter of poor custo*er service fro* an e*ployee in the Lake City, Florida branch on ********* *** ***** All I had been atte*pting to do was to receive the closeout docu*ents/title work and/or any due refunds that I a* entitled to receive. This credit union received a total loss check fro* GEICO auto insurance in the early part of Septe*ber and the GAP clai* was closed out ******* *** ****, where Vystar received a letter of settle*ent fro* GAP clai*s. If this credit union continues to not do their job, I will report the* to the division that oversees the banking agencies and *aybe even the attorney general's office should be included to also expose their behavior or practices. The dealership (Dylan Nash) received confir*ation on ******* *** **** (per the phone co**unication), that the cancellation of GAP for a refund was received to forward to Vystar Credit Union and the cancellation of TruVSC Warranty was co*pleted and in the hands of the dealership as of S******** *** *****

  Business response

  01/04/2024

  Please see the attached co*plaint response for ****** ****** (ID #********). 
  

• Initial Complaint

  11/13/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I made a purchase and had a available balance of ******, made a transaction of ****** they charged me a ***** courtesy fee stating there system shows a different side that we don't have access to and I didn't have an available balance. I then made a deposit of ****** which put it to ******. My account never shows a negative balance inside my account. They state they have a different system to show different amounts. Everyday there app is having maintenacne issues or we are updating and posting are not accurate. This shouldn't be our fault if they are having system issues. If I see a postive available balance I shouldnt be charged.

• Initial Complaint

  09/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I requested a deferment and it was approved. Requested for post dated payments to be cancelled and both weren’t. $1331 was deducted from my checking causing 3 *** fees on my checking account with Vystar credit union. Attempted to complete reversal request 9/26 at 10am it is 5:48 and I am still trying to get clear information from one rep. Everyone even the supervisor have different process like they were trained at different companies! I even got hung up on by a supervisor and the supervisor I was on the phone with 9/26/23 at 5:20 had no clue and kept wanting me to just go off whatever the message said that was sent couldn’t give any clear direction to help. I asked her what department she was in she says member services I told her I was told member ***** ******** even help me I needed a collections supervisor and could she transfer me to a collections supervisor. She kept telling me the the funds could go the my charges off credit card in which no one said all day. She told me she would transfer me to a collections supervisor and transferred me a to a regular rep in the charge off department that wanted to discuss my charge off. Now I’m being told the wait is long and they closing and no one will likely take my call to call back in the morning. This is so ridiculous!

  Business response

  10/18/2023

  Please see the attached complaint response for ******** ******** (ID #********).
  
  Thank you!
  

  
  

• Initial Complaint

  09/27/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Was not told prior to depositing money into an account that my money would not be available for 9 days. Had I known this, I would have made different arrangements. I could have simply deposited the $5 minimum or refrained from using VyStar. I was not able to make an informed decision. This situation has been further exacerbated by the poor treatment I have received since this issue arose. I simply want a portion of the funds made available so I can eat and have gas to go back and forth to work.

  Customer response

  09/27/2023

  This issue has been resolved. Credit to *************************** for ****************.

• Initial Complaint

  09/25/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  The account was paid in full during the pandemic. I want this account and all derogatory remarks to be removed from my credit immediately.

  Business response

  10/03/2023

  Hi ********, 
   
   Please see the attached complaint response for ******** ****** (ID #********).
   
  Thank you
  

  
  

• Initial Complaint

  09/25/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  To whom it may concern at VYSTAR, My name is ******* ******, and my member ID is ******, I am writing as I have three inquires on my ******* and ********** report for dates below: November 30, 2023 December 15, 2023 December 30, 2023 These were all authorized inquiries. However, I was under the impression the original report from November 30, 2023, would have been used instead of pulling the report additional times as long as everything was conducted within 30days. Therefore, I am asking that you show favor on my behalf and remove the two additional inquiries off my report. This was disputed in the past, unfortunately no one contacted me back. Thank you in advance for your time.

  Customer response

  09/28/2023

  Correction to initial email. To whom it may concern at VYSTAR, My name is ******* ******, and my member ID is ******, I am writing as I have three inquires on my ********** report for dates below: November 30, 2022, December 15, 2022 December 30, 2022 These were all authorized inquiries. However, I was under the impression the original report from November 30, 2022, would have been used instead of pulling the report additional times as long as everything was conducted within 30days. Therefore, I am asking that you show favor on my behalf and remove the two additional inquiries off my ********** report. This was disputed in the past, unfortunately no one contacted me back. Thank you in advance for your time. Please do not add inquires to my ******* report as the initial report had the wrong credit reporting systems. Now it has been updated with correct dates and correct agency. 

  Business response

  10/03/2023

  Hi ********, 
   
   Please see the attached complaint response for ******* ****** (ID #********).
   
  Thank you!
  

  
  

  Customer response

  10/06/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  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. 

  Regards,

  ******* ******

   

• Initial Complaint

  09/19/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I scheduled an appointment at the ******* ***** ************* ******** branch to receive a skip a pay. I made it to my appointment. I filled out the application for a skip a pay in the branch. They denied me stating I did not submit it in time; however, my application was submitted within the 10 day grace period in August. My car loan is due on the 16th. The application was submitted on the 25th. Who ever reviewed my application reviewed it as a deferment; however, a skip a pay was processed after completing the wrong form at the bank on the same day. Who ever reviewed the application canceled it out instead of reading and having the customer suffer due to their negligence of not properly doing their job.

  Business response

  10/03/2023

  Please see the attached complaint response for ***** ****** (ID #********). 

• Initial Complaint

  09/18/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  ****** fraud alert text and spoke with a representative who said ***** was trying to put theu a charge right after I tried to download an app. There were two charges pending,.. I said I was not sure if it was fraud or legit (I hv a fairly recent new atm card). She gave me a phone no to call and then proceeded to summarize which was fine but then she wanted to to summarize again and I was impatient to get off the phone and call ***** as my card was ‘on hold’ until these charges were finalized- I said yes I understand I need to verify and u want me to call back thank you. I now cannot get bk to Vystar fraud as they don’t recognize my ph # so I now hv no access to my $$ until tomorrow. No matter how impatient the customer you do not Block the consumers ability to conduct financial transactions

  Business response

  10/03/2023

  Hi ********, 
   
   Please see the attached complaint response for **** ****** (ID #********).
  

  
  

*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. ↩