Business Profile

Credit Union

Vystar Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

This profile includes complaints for Vystar Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

239 total complaints in the last 3 years.
83 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The 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:09/16/2024
Type:Sales and Advertising Issues
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.
MY ACCOUNTS WERE LOCKED BECAUSE OF POTENTIAL FRAUD ON 9/13/24 AND THEY DON'T NOTIFY YOU. I called customer service to have them address, that department doesn't work on weekends!!!!!!!!!!!!!!!!!!!!!!!!!! I have had to postponed work and employee work days... I have been on the phone for over 1.5 hrs. trying to get to the fraud department. I tried to contact someone at the corporate office to express my dissatisfaction and concern with this business practice/model. The "supervisor" just keeps stating that there is nothing she can do. She isn't even notifying any upper management that this is a major flaw and should be looked into. I will spare no expense exposing this atrocity.
Business Response
Date: 10/11/2024
Please see the attached complaint response for ***** ** ***** (ID #********).
Customer Answer
Date: 10/14/2024

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: ********

I am rejecting this response because:

There is no resolution other than an apology.

Regards,

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

Business Response
Date: 10/24/2024
Please see the attached rejection response for ***** ******* (ID #********)
Customer Answer
Date: 10/28/2024

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: ********

I am rejecting this response because: Vystar Credit Union is just apologizing. There appears to be acknowledgement that the process is being looked into, and has made no attempt to reach out to me for further information. the letter is generic and ambiguous.

Regards,

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

Business Response
Date: 11/06/2024
Our team has re-evaluated this member’s second rejection and the member has not provided any new information for VyStar to address at this time. Therefore, we do not have anything additional to our previous response to this member’s complaint.
Initial Complaint
Date:09/13/2024
Type:Service or Repair Issues
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.
9/12/24 Vystar took funds from my account when they were not authorized to. They need to put back $254 in my checking account. I did not authorized them to do it. Therefore they need to replace those funds in my account. I have bills to pay and they're preventing me from doing that!!
Business Response
Date: 09/30/2024
Please see the attached complaint response for ******* **** (ID #********).
Customer Answer
Date: 09/30/2024

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: ********

I am rejecting this response because: It's not satisfying. ******* ***** and ******* ****** gave me their business cards. I used those cards calling them and leaving several voicemails and emails. They never returned any of the messages. If they don't return any messages, then it was no use giving me their business cards. Since they claim to be operating under my cease and desist request, then I should not be receiving emails about the payment either. Stop the emails as well.

Regards,

******* ****

Business Response
Date: 10/11/2024
Please see the attached complaint response for ******* ****** rejection (ID #********).
Customer Answer
Date: 10/11/2024

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: ********

I am rejecting this response because: **** IS LYING. HE SAID THE REPS GAVE ME THEIR CARDS BEFORE I TOLD THEM ABOUT THE CEASE AND DESIST!! THE GAVE ME THEIR CARDS AFTER I TOLD THEM ABOUT THE CEASE AND DESIST, WHICH WAS RIGHT BEFORE I LEFT THE BRANCH!!! I REQUESTED THEY CONTACT MY WIFE SINCE I COULDN'T. THEY NEVER ANSWERED MY QUESTION ON CONTACTING MY WIFE OR NOT!!
THIS IS THE PETTIEST MOST UNPROFESSIONAL EXPERIENCE I HAVE ENCOUNTERED. VYSTAR SHOULD BE ASHAMED OF THEMSELVES FOR THEIR UNPROFESSIONAL UNETHICAL BEHAVIOR!!

Regards,

******* ****

Business Response
Date: 10/28/2024
Please see the attached complaint response for ******* **** (ID #********).
Customer Answer
Date: 10/28/2024

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: ********

I am rejecting this response because:
******* and ******* both gave me their cards AFTER I TOLD them about the cease and desist!! They both told me to call them.
Therefore, don't lie to me saying they gave me their cards before the cease and desist was mentioned!
Don't ever take funds from a member's account without their authorization EVER AGAIN!!

Regards,

******* ****

Business Response
Date: 10/29/2024
This is a third rejection to our previous two responses provided to the member. Our team has re-evaluated this case again and the member has not provided any new substantial information at this time.
Initial Complaint
Date:08/14/2024
Type:Service or Repair Issues
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.
4/27 - 5/1 This was an optimiztion scam. Basically you provide funds to complete a "job" and they will give you back that money along with the commission earned for doing that job. I used my Vystar credit card to provide the funds to fulfill the job. This was successful for the first few times, then the requirements changed after they had 15376+ dollars. There was now a requirement to deposit more funds to complete the job and get back all the money and commission. At this point I determined it was a scam. I reached out to Vystar and Vystar **** with the understanding that I had protections for this. Basically I initially I was given the middle finger and told there was nothing I can do, the case was closed. When I called back to inquire about a second look, I was told that this was filed under the wrong type of fraud however since the case was closed, nothing else can be done. This is very disappointing in the both **** and Vystar.
Customer Answer
Date: 08/14/2024
Attached is most of the conversation between the merchant and myself inclusive of screenshots
Business Response
Date: 09/03/2024
Please see the attached complaint response for ***** ***** (ID #********).
Customer Answer
Date: 09/03/2024
[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 while there is no resolution, lessons learned.

Regards,

***** *****
Initial Complaint
Date:08/01/2024
Type:Sales and Advertising Issues
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.
Recently my credit card that I had locked was compromised. I was actually notified by Vystar directly. When I logged into my account I saw several fraudulent pending transactions I spoke to the representative at Vystar and he shut ny card down. Needless to say some of those transactions went through. How I am not sure since I had my card locked. What is the point of having a lock feature if your card can still be used. I disputed all transactions and even asked if I need to file a police report. Vystar supposedly got ot all corrected. Today I received a letter stating there is a charge from one of my disputed that will be going on my new card. I am so very upset. Need this to be taken care of immediately and completely.
Business Response
Date: 08/22/2024
Please see the attached complaint response for ******* ******* (ID #********).
Customer Answer
Date: 08/22/2024
Remove issue was resolved
Initial Complaint
Date:07/22/2024
Type:Service or Repair Issues
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.
My cell phone was stolen in the early hours of 5/25/2024. I originally thought my phone was lost. I used the find my phone service to lock the phone with a message to call me on my work cell phone number if found. On Sunday early afternoon I was unable to open a personal email account and that's when I realized that my phone had been stolen. The criminals somehow unlocked my phone and were able to access my accounts including my banking accounts with Vystar Credit Union. Vystar customer service was not available on Sunday or on Monday (due to the holiday). I went into my local branch on Tuesday morning 5/28/2024 and spoke with ***** ****. The criminals had stolen money out of my accounts by using a ***** transfer on Sunday. I filed a claim for fraudulent use of my account. Vystar has refused the claim because it was directed from my phone. In essence, my identity was stolen and used to gain access to my accounts. I have filed a further complaint with Vystar and have not heard from them. I cannot file a claim directly with ***** because the transaction happened through Vystar's app. On Sunday 5/26/2024, when I realized what was happening, I did send an email to Vystar telling them that I did not authorize any ***** transactions or any other transactions that occurred after 5/24/2024 using my accounts. I would like to be credited back the money that was stolen from my accounts. I am very displeased with the lack of support from Vystar Credit Union. Because of the theft, I was unable to make bill payments on time. This is hurting my credit and I am still paying catch up and have no reserves.
Business Response
Date: 07/25/2024
Please see the attached complaint response for **** ******** (ID #********).

Thank you

Customer Answer
Date: 07/25/2024
[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
Date:07/19/2024
Type:Billing Issues
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.
I disputed the two charges on the attached screenshots of $109.99 each by * **** on 4/21/24 and 5/21/24 and today they still are not showing as a conditional credit on my account which typically occurs right away. In early June I called Vystar's third party business that VyStar claims handles these disputes and was put on hold for an hour and the next day the recording said there was an hours wait. So I called again with the VyStar rep on the third line to prove to the rep the unacceptable wait time and we waited 90 minutes before we had to hang up. So then as the attached screenshot shows I emailed the third party company with indisputable screenshot proof showing each charge was bogus and I've heard nothing back from the third party.
Customer Answer
Date: 07/25/2024
Now in retribution for this complaint, Vystar has permanently deactivated my debit card because of "too many disputes", even though I made my disputes months ago yet only recently filed this complain because after months the two charges weren't showing on my account as disputed. Now they are showing only right after filing this complaint. I attached screenshots proving the charges were faulty thus now I need Vystar to reactivate my debit card. Deactivation should only be justified for too many invalid disputes, not valid ones.
Customer Answer
Date: 08/03/2024
Now that I filed this complaint, Vystar has now not only finally given me provisional credit for the two charges of $109.99 each, but they sent me a letter saying the credits are permanent. Yet they deacttivated my debit card obviously in retaliation for this complaint, though they claim because I had too many disputes. That is an invalid reason since all my disputes were valid by their own admission of making the credits permanent. I also had disputes of $1,000 and $400 charges showing as "ATM withdrawal" which after I disputed showed as "*****" and I called Vystar and told them that I recognized the charges now that they posted as ***** but it was too late as they had already mailed me a new debit card. Thus none of my disputes were invalid and therefore I need my debit card reactivated NOW. I have an increasing balance in my **** *** account and can't transfer any of it to my bank account because of the deactivated debit card. Thank you.
Business Response
Date: 08/13/2024
Please see attached.
Customer Answer
Date: 08/14/2024

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: ********

I am rejecting this response because: Vystar's response states that my debit card was deactivated because I didn't properly safeguard it. First, this is entirely different than what the bank teller I met in person called me and told me. She told me that it was deactivated because I filed too many disputes. I informed her that all my disputes were valid as proven by Vystar issuing me credits for all the disputes. Either way, the only thing I see in the response screenshots are my $584.03 dispute with ******* and my two $109.99 disputes with * **** , which two were the initial subject of this BBB complaint of mine and both were validated as evidenced by Vystar making the provisional credit permanent. In fact the ******* dispute is yet again the fault of Vystar because I had already been issued credit for $456.46 on 6/1/24 for the ******* charge of that amount charged on 5/24/24 and told the Vystar rep that I had cancelled ******* because my roommate has been receiving service for my entire house so no need to pay for duplicate service. Yet Vystar allowed ******* to again charge me $584.o3 which I've disputed and is still not showing as disputed on my account. Plus I told Vystar rep that in the past my account clearly shows that ******* has charged me $117/month so the amounts of $456.xx and $584.xx are blatant fraud. In Vystar's response, I didn't see a single example of me not safeguarding my debit card. In fact, Vystar didn't safeguard it by allowing ******* to again charge me an amount so high it was obviously fraudulent. I need my account to be issued a credit of $584.03 for the ******* charge on 7/18/24, my debit card to be reactivated, and in future responses I need Vystar to mention charge dates and amounts in the body of their response as the screenshots are hard to open as each seems to hold multiple screenshots.

Regards,

***** ****

Business Response
Date: 08/22/2024
Please see the attached complaint response for ***** **** (ID #********).
Customer Answer
Date: 09/27/2024
Thanks since I never got my debit card in the mail they called me and arranged for me to pick one up at my nearest VyStar which I did so everything has been resolved thanks.
Initial Complaint
Date:06/12/2024
Type:Sales and Advertising Issues
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.
An account was erroneously opened under my name through this company in February of 2024. I have provided the information regarding this and every time I call no one has any idea of what is going on, whether or not my information has been received and submitted to the fraud area, also no one is willing to put I. Work. I am having to take time out of my day, away from my job, and family to do something that was not completed by me. Every time I call they want my account number or ssn I do not feel comfortable giving my ssn over the phone nor do I have an account number. Who’s to say they are not running a scam an are going to take my ssn an open another acct else where. Today was the straw that broke the camels back. I received a call from ****** who asked to call back however when I called ****** was on vacation and no one by that name called me. Someone had to because they had both my husband and i’s phone number even though every time I call the number and email listed is not mine. Then no one is willing to help because none of my information matches. Every time I call I tell them I have a fraudulent acct opened and they ask for my acct number or to go to a branch. I do not live in *******. Something needs to change with their fraud dept.
Business Response
Date: 07/09/2024
Please see the attached complaint response for ****** **** (ID #********).
Customer Answer
Date: 07/09/2024
[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
Date:05/02/2024
Type:Product Issues
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.
Vystar's has taken money from me as a customer once again. There is money in my account and I have draft protection. $29 has been taken for no reason at all. Glad I check my accounts.
Business Response
Date: 05/15/2024
Please see the attached complaint response for ******** ****** (ID #********).
Customer Answer
Date: 05/15/2024
[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
Date:04/26/2024
Type:Service or Repair Issues
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.
On June 5, 2023 my insurance company sent Vystar my new renewal notice for car insurance on my **** ** ******. I have my car loan through Vystar on automatic payments. In July Vystar started charging me $180 for Car insurance without notifying me. I had it on automatic payments so I was not aware of this charge each month. My payment was still being made every month not realizing that I was being charged $180 more. On April 14 Some came and took my car without any notice. On April 15 I went to Vystar in ******** ******* and spoke to the branch manager. At that time I found out what was going on. The Branch manager assured me everything would be ok as I showed them we had insurance that was renewed in June. He said they would apply for a refund and take the late charges off my account. He said it may take 7-10 days to get everything cleared up. On April 23 I received a letter saying I needed to payoff the car and pay all the charges or it will be sold on April 26 to a Private buyer. I called the number on the paper Vystar sent me on the April 23 explaining everything to 3 different people the last being the Manager ***** *****. She said she would call the branch because they made a mistake telling me that information then get back with me. As of April 25 she has not called back in fact no one from Vystar has contacting me. Honestly I have made every payment and have had insurance on my car since day one and just want my car back. I explained that to the Manager. I have called and left messages the last 2 days but still no response.
Business Response
Date: 05/15/2024
Please see the attached complaint response for ******* ******** (ID #********).
Customer Answer
Date: 05/15/2024
[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
Date:03/25/2024
Type:Service or Repair Issues
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.
Yesterday 03/22/2024 at 5:26pm We deposited a large amount at the ATM (**** ****** ** ************* ** *****) and the ATM took the money and my debit card, The money was never deposit and now the bank is saying we have to wait at least 30 days, we are a small business, and we need the bank to resolve this matter as soon as possible. This is causing Financial Hardship and is going to put a major strain on or family and business. Please let me know if you need additional information.
Business Response
Date: 04/17/2024
Please see the attached complaint response for ********* ***** ******** (ID #********).

Warm regards,
Customer Answer
Date: 04/17/2024
[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,

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

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Complaint statuses

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Customer Answer

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Vystar Credit Union is NOT a BBB Accredited Business.