On March 21st, I visited the VyStar branch in St. Augustine (Ponce De Leon Blvd). While there, I canceled my business savings-secured credit card, applied for a new card, and opened a business checking account. I had a 750+ credit score based on a personal VyStar credit card I held for over four years. That card was canceled last year, and after doing so, my credit score dropped to zero. When I asked VyStar, they told me they don’t report a credit score once a card is inactive or canceled. However, according to every other bank and credit bureau I’ve spoken to, that’s not how credit reporting works. If I had years of credit history, that data should remain on my report for up to 10 years, even after the card is closed. A score might drop, but it shouldn’t become “unscorable” in less than a year. Because of this zero score, VyStar denied my new credit card application. They opened the checking account but did not cancel the secured credit card—which still has $5,000 tied to it. I’ve called multiple times (April 2nd, 6th, 11th, and 14th) to have the card closed and the funds returned. Each time, I was told it would be handled, but the card is still active and the money hasn't been moved. No one has followed up, and I’ve received no explanation for the delay or when it will actually be resolved. They still have my $5,000 and have yet to transfer it to my savings.