VyStar Credit Union Reviews 

After over two years of dealing with their online system, now known in banking circles as the “crash”, my complaint letters got to the thin skinned management of Vystar. They sent me a letter next day Fedex to tell me my behavior had fallen outside their member Code Of Conduct. They wrote that being a member of Vystar was a privilege and not a right. They stated this was a Final Warning letter and further instances would result in termination of my membership as well as an official Legal Trespass Warning. I wrote back and let them know their privilege of providing my financial needs had been terminated. This incident was precipitated by a screen they added to their online system that required the user to click in a box labeled “I Am Human”. They stated this prevented “bots” from gaining access to customer log in screens. It does not. A simple refresh of the browser screen or pressing F5 will bypass that screen.
Vystar’s problems have been caused by their commitment to DEI hiring practices rather than merit hiring practices.
I would advise everyone to abandon this bank.
Vystar needs to check their compass.

I have been with vystar for 3 years now and now all of sudden i can't sign into my vystar account i keep getting this error message when trying to sign in and it says you do not have permission to perform the requested action so i got on the phone with vystar CSR and they all said it was a vpn issues and i don't use vpn's on my desktop or cell phone and i can't even access my account through there app and they asked me to call my isp xfinity and ask them if they use a vpn and the xfinity rep said no twice that it was a server issue on vystars backend of there server and of course vystar will not take the blame for me not being able to access my account this same issue of you do not have permission to perform the requested action happen back in 2022 and when i called vystar CSR the man confirmed that it was a server issue and now they can't even get it straight something isn't adding up when one CSR says it's a server issue back in 2022 and now they say it's a vpn issue because i was able to access my bank account last weeK and over the weekend without that error message and all of a sudden the error message shows up on monday there is something really wrong with this picture and the blame game needs to stop.

Worst corrupt company ever. Employees are useless and incompetent. I've found 2 in a year that should find a reputable company to work for. Money missing all the time and they do not care and will do nothing for you.

I would also rate this company less than a zero for its ineptness, incompetence and inefficiency. I am also surprised to see that the same incident occurred in the past and the company did nothing to prevent a reoccurrence. My 78-year-old mother bought a vehicle from a dealership that used VYSTAR for its financing more than a year ago. I took the monthly payments from my mom and had the payments debited each month from my account. This was to avoid any chance of a late payment. We received a letter stating the payments were not being received so we physically went to a VYSTAR bank to inquire about the notice. We were reassured that the account was in good standing and their records would reflect the automatic payments. I was shocked when my mom called me 4 days ago because she could not find her car. VYSTAR had repossessed her car. I immediately went to the branch located nearest to our home with proof of automatic on time payments only to be told that the payment did not include the required "CPI" insurance. My mother was then told she would need to pay > $3,000 to get her vehicle back. At no time was she ever informed of the deficit in her timely payments, even while standing in the bank on 2 previous occasions. This was also not communicated via mail. I was at my mother's side and made the decision to walk away from this incompetent institution. I can buy her another vehicle. Please be very careful with this bank. They are grossly incompetent and do not care about their customers.

If I can rate this bank below ZERO, i will gladly do that. Horrible service, horrible banking. My debt card expired and I notice that only in the store trying to pay for stuff. Call VyStar and order new one hoping I will get card in 7 days...after 15 days "NOTHING" I went to branch, they ask me to pay 5 bucks to issue new. (???) I was so mad I withdraw all my money and after that action they issue new card. Now, same issue with second account and second card...absolutely same same same stupid issue. "CARD WAS RETURNED BY POST OFFICE" !!! How come statements coming every month ?? This is all about 5 bucks, teasing and sucking money from customers. After 30+ years I am forced to leave this institution, and honestly management and big heads in mahogany rooms should seriously think about ratings here...VyStar was once excellent bank for all Jax people...not now. Thanks God, there is much more better options in Jacksonville !!!!!

We have been members of VyStar for over 20 years personally and have our business account with them for 2 years. Ever since they upgraded (bought their own software), it has been nothing but issues and their customer service is ridiculous! WOULD NOT RECOMMEND THEM TO ANYONE!

They told me it takes 5 to 10 business days to receive a new card, I called the 11th business day and they argued with me.. two days later I received a check in the mail and a letter saying my membership is revoked

If I could give a zero-star rating, I would! This company was used by the car dealership where we bought our VW. We have had the automatic payment set up the entire time and our own car insurance for two years. Our car was recently repossessed without any warning, and after we called, we were told it was because they were taking insurance coverage payment from our monthly auto payment without our knowledge! They tell us we now owe back payment for insurance and insufficient monthly car payments. Also, they say that in order to get our car back, we will have to pay the entire amount of the remaining loan or it goes to auction in one week. They made No email or phone call attempts whatsoever to try and clear this up like humans. So disgusted!

Katie Denman at Alachua branch was such a wonderful help when I was requiring help with my account. She made it a wonderful stress-free experience.

Hello,



My name is Mike, I have been doing business with Vystar since 1979. Over the years I have noticed a real decline in how you treat your customers. The big blunder with the software was a terrible mess. My family all left but I chose to stay with you until now.



I had my debit card stolen and I went in to get another card as I make all my transactions via card. I was told you have chosen to no longer provide a card at the branch and that I would have to wait for it in the mail. WHAT ARE YOU THINKING? You have the ability to take care of the customer right then but choose to use snail mail? Extremely inconvenient. Hope it saves you 3 dollars. You all have 6 and 7 figure incomes that you are making off you customers money. This is the last event for me I will be moving on and considering doing more cash transactions as banking has become expensive for everyone except the banker.



I’m sure this was a financial business decision but it affects customer service, we are the customer.



Impossible business partners!



That is all!



Good Riddance.

They are SUPPOSED to AUTOMATICALLY send you a new debit card THREE WEEKS before the current one expires.

However, this did NOT happen with ME.

When I contacted them initially, they said it was an "oversight" and they would send it express 3-5 days as opposed to the 7-10 days it usually takes.

However, that did NOT happen.

I contact them AGAIN, it takes over an HOUR for them to FINALLY figure out that somehow, they do NOT have my actual apartment number on file, therefore, my card never got sent. They also ADMITTED that this was 100% THEIR FAULT.

So, they agree AGAIN to send it express 3-5 days, arriving Monday. However, my current card expires tomorrow -- the last day of the month. They ASSURE me that I can continue to use my current one through then.

So, I go ahead and do my normal Sunday shopping today while I still can. BUT, I can NOT do this, because my current card has ALREADY been marked "Expired". WTAF?!?!?

I also get a message that it has been marked "lost". Uh, NO, it has NOT been "lost". I know EXACTLY where it is.

So, NOW, I can NOT do my grocery/supplies shopping for AT LEAST 6 days!!!!!! (Assuming that my new card actually shows up on time.).

And they will NOT give me ANY type of temporary digital card for those 6 (+) days Even though they FREELY ADMIT that this WHOLE ENTIRE FIASCO is 100% THEIR FAULT!!!!!!

So, I am just COMPLETELY UNABLE to buy anything for 6 (+) days, and I am just supposed to be okay with that, when I did absolutely NOTHING wrong whatsoever...........................

Also, I do NOT have a car, and my brother is on my account, but they will NOT let HIM go to a branch and pick it up for me since I am LITERALLY UNABLE TO............................................

In what universe is it okay to admit 100% fault but then do the bare minimum to fix it and I am just supposed to be okay with nearly an entire week of being COMPLETELY UNABLE to buy anything......?!?!?

Also, their "Chat" function KEPT getting cut off, basically making it IMPOSSIBLE for introverted customers to try to resolve their issues in the easiest way.

Please, PLEASE, I BEG of you, to read this and do BETTER next time................!!!!!!!!!!!!!

EAS

Longest lines at the branch that I ever encounter in my daily life. Vystar makes things so much more difficult

Now my accounts have disappeared from the website. Go figure and no one can help me.

Unfortunately I’ve had nothing but customer service challenges with their mobile banking. I tried to use Zelle for an emergency blood transfusion for my brother’s dog and 30 minutes on the phone and they couldn’t figure out why there app wasn’t working for me. I switched to another bank and sent him from another account. Not user friendly, and the issues never get resolved. I’m driving up there to close my account immediately.

Got auto loan through Vystar credit union. Due 6th, lot rent due 5th. Had to go in to branch to change due date. Payment due was $292, set up autopay on 14th for $350. Car was repossessed for non payment.

Called. Confirmed last payment was for $350, but back in April. This is now Sept. Told call my bank. Bank says problem on their end. Called Vystar back. Not only did they NOT set up autopay, but they NEVER EVEN CHANGED THE DUE DATE . The very reason they made me go in to the branch in the first place!

I filed bancruptcy five years ago and the dealer had to call 12 banks to find somebody to give me a loan. Now, FORGET IT with a repo on my credit report on top of this. They CLAIM they sent me an e-mail, but I never got one! They claim they sent a letter, but the only thing I get from them shows payment due amount and outstanding balance. NOTHING about non payment. All because the woman at the branch NEVER SET UP autopay, NEVER CHANGED my due date. The VERY REASON I was told to come in to the branch.

Now I had to miss work because I had to call off. LOSS of wages! Got a point at work (Disney) for calling off. Three points within six months and I am TERMINATED! NO POSSIBILITY of EVER getting a new car with a repossession on top of a bancruptcy. No transportation! All because of the COMPLETE INCOMPETANCE of Vystar!

I am waiting for a callback from a lawyer because I am seeking damages.

SHE NEVER EVEN CHANGED THE DUE DATE!

As a long time member, I am becoming increasingly dissatisfied with Vystar. The conversion to the new platform is absolutely no better than what they had in place prior to this debacle. In addition, they have gone from being a credit union for the people to acting just like any other bank too big to fail. I did not sign up for a variable rate credit card when I joined them in 1989 and that has now been forced on me along with an interest rate that is jumping up almost double from their last increase. When I called today, I learned they have gone from a live person to an automated recording. They offer me terrible interest rates on savings and CDs. I am left wondering just how this Credit Union is supporting me and its other members any better than a regular bank with shareholders these days....

The mobile banking issues happened during a planned conversion to a new platform. VyStar said all funds are secure. The bank is using local banking tech firm Nymbus to launch the new platform electing it as its digital banking partner a few months after investing $20 million in the company. Don't recall this being divulged prior to the implementation of new platform.

In a span of less than 2 months, my personal checking account and credit card information was hacked. Twice. It was a real pain to close and replace the information. Ever since the conversion fail last year and how no one had access to their information plus how scammers are spoofing their fraud department to get information. I'm sure there are a lot more of us out there. It was too stressful to keep going through this. I closed my account and went elsewhere.

More than once I have had to get a new debit card because my account was hacked. In fact in the last 6 weeks I've gotten 4 new cards. Come on! That's a little ridiculous. Yes, they were prompt about returning my money, but it should have never happened in the first place.

Tons of downs and not enough ups, systems are constantly going down online still or things are completely not loading properly and causing accounts to be affected in a negative way with the company not taking full responsibility for their actions. Recently my accounts that normally get auto debited have not been getting auto debited and overlapping each other resulting in numerous fees they charge when using their courtesy service when challenging them on a removal asked to provide proof and/or screenshots to show things auto debited on the specific date we discussed which I easily can and could do. Just their smug way of trying to blame the client or retaliate against them for noticing flaws that they refuse to remove. I will be closing my account , I had already attempted to but they wanted to hold a loan as leverage when they could easily close the account and send it to collections I won’t be forced to keep a bank account that’s misleading that’s for sure .

I've been using Vystar for over 25 years. They are great for members!