VyStar Credit Union Reviews

Name: VyStar Credit Union
Rating: 2.77

2.8 Rating 282 Reviews

43 %

of reviewers recommend VyStar Credit Union

Company Reviews

Questions

Metrics

2.8

Based on 282 reviews

Shipping & Delivery
Delivery Methods	Own Driver, Postal Service
On-time Delivery	Greater than 84%
Customer Service
Communication Channels	Telephone, Live Chat, Email
Queries Resolved In	Under An Hour
Customer Service	2.8 out of 5

Visit Website

Write Your review

Tell us how VyStar Credit Union made you happy

Minimum 10 characters

Would you like to add a photos or videos?

Strengthen your review by uploading photos & videos.

Drag files here or browse

(Supported files: jpg, png, mpeg, ogg, mp4 & webm)

What's your name?

Leave this blank if you'd like to publish your review anonymously.

(Optional)

What's your email?

We need your email address to verify that your review is genuine

Please note that we may share your email with the company to verify your order.

VyStar Credit Union 1 star review on 2nd June 2025

WhatsApp Number (+ 4 4 73 88 6 97 9 58.) Help Me When I Was Deceived By Online Investment Company

VyStar Credit Union 1 star review on 30th May 2025

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“The wrose place ever”

Helpful Report

Posted 9 months ago

“I don't want to help when fraud was done to my card then charge me a $15 stop payment fee for the charges that were fraud but didn't stop them and claimed that they couldn't stop them with a stop payment fee so now I'm at $125 and they don't even care and won't even do their job”

Helpful Report

Posted 9 months ago

“Worst online banking app on earth”

Helpful Report

Posted 9 months ago

“Won't let me speak with the lawn department to proses a payment. Meanwhile intrest is accrued and late payment on my credit. This bank is fraudulent seriously who does this can't make this up I'm on the phone with them now and they won't take a payment .”

Helpful Report

Posted 9 months ago

“Horrible bank”

Helpful Report

Posted 9 months ago

“If I could give this Credit Union less that 1 star I would make it -10. I had a fraudulent charge for a LARGE amount of money put on my Vystar Credit card. I called fraud as soon as I saw it when it was just a pending authorization. They cancelled the card and created a new number but thaey paid the fraudulent charge and transferred it to my new card. It took 4 trips to the branch, 7 emails to the corporate office (including the "Leadership Team" email address to which I never received a response), and over three weeks to finally get this resolved. In the meantime, they reported this huge fraudulent balance to the credit bureau which caused my score to drop by 48 points! Several of the people I did talk to were rude and suggested that maybe I was using my card "unsafely". I moved all of my money from the credit union two years ago when the botched the website roll out after over 25 years of loyalty to the CU. I don't know what has happed to this organization but I would NEVER recommend them to anyone!!!”

Helpful Report

Posted 9 months ago

“I stopped by to obtain printed statements from our joint accounts, as well as to inquire about printing my husband's credit card statements since we were unable to access them online. Andrew, the representative who assisted me at Mandarin branch in Jacksonville, Fl, was able to print the statements for our joint accounts without issue. However, when I requested my husband's credit card statement, there seemed to be confusion regarding the process. After some unclear explanations about e-statements and online access, Andrew informed me that I would need to call my husband to seek his permission. I complied and made the call, but when I asked if he needed to speak with my husband for verification, he stated that he wouldn’t speak with him as he didn’t know who I was talking to or what number I was calling. Instead, he insisted he would call my husband himself. During this time, I felt he began to speak down to me, asking, “Do you understand security?” This tone was quite inappropriate, and I asked him to hang up and treated me with respect. I left the branch shortly after. My family and I have been long-time customers of VyStar, and while I know that the majority of your staff are polite and professional, this encounter left a negative impression. I believe it is important for all customers to be treated with respect and courtesy, especially in a banking environment.”

Helpful Report

Posted 9 months ago

“Horrible communication. Rude customer service. Cannot keep record straight. I will be switching companies.”

Helpful Report

Posted 9 months ago

“They are absolutely the worst credit union ever. First they lost over $1.000 in payments to my loans during their botched system upgrade last year. I was told they couldn’t find my payments even though I provided proof from my bank statement. Then they refused to provide any kind of payment relief when I lost my job, they’ve also ruined my credit, and on top of all of that continued to charge me forced placed insurance even though I had full coverage continually. I’m done with them and ready to move my remaining accounts away from them. I closed my checking account right after they “lost my payments” and never reimbursed me!”

Helpful Report

Posted 9 months ago

“Vystar cannot find checks sent by mail! Two checks in one month. As a result, I got interest and late fee added! I always pay entire bill! No idea payment lost! Company is AFU!!!!”

Helpful Report

Posted 9 months ago

“Zero customer service. Always a 7 day hold on deposits... this not 1990! Done with them!”

Helpful Report

Posted 9 months ago

“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. My wife recently received a “phishing” text message informing her that someone was attempting to use her Vystar credit card. She does not have a Vystar credit card, but because of this message I believe Vystar has been hacked and my wife’s email address and phone number were stolen. News Story from 10/31/24 https://www.news4jax.com/news/local/2024/10/31/vystar-fined-15m-for-disastrous-2022-rollout-of-mobile-online-banking-system-that-locked-members-out-of-accounts/”

Helpful Report

Posted 9 months ago

“The transition from 121 FCU to Vystar has been nothing but a nightmare! This is the worst experience I've ever had with banking. Each member has their own member number, even on a joint account. With 121, my husband was the primary on the account and all information was transferred to his member number and I had no access. I pay all the bills, do all the banking, as he does not have an email address, nor does he want one. Vystar did not even recognize me as being on the account. The IT Department has screwed this whole thing up. I went on their online banking app and it says I've accessed it too many times! I will be closing this account! I'm signing my name below so they will know who I am.”

Helpful Report

Posted 10 months ago

“I've been with VyStar since they started at NAS Jax. I live at Jax Bch as do many other customers. VyStar went on an expansion program and at that point started going downhill. The employees that work there are good, but the Management is making bad decisions. Recently, they decided to close their Jax Bch branch and leave open a branch in Ponte Vedra where access to the building is very limited. They left open a branch in Neptune Bch which is also very inconvenient. Instead of branching out into Georgia, they should concentrate on local people first. Also, their interest rates on any type of Savings are very low in comparison to the rates I can get elsewhere. So, I am pulling out most of my funds and will be placing them where I can get much, much higher interest. I don't want to have to do this, but VyStar has gone downhill and does not look after their customers.”

Helpful Report

Posted 10 months ago

“Absolutely garbage company, just don’t use them.”

Helpful Report

Posted 10 months ago

“VyStar credit union is the worst bank I have ever had. They constantly have my transactions on pending for over a week I have never dealt with anything like this before. They never have a real person available to talk to you it’s always a robot. If I could give this review a negative 5 stars I would.”

Helpful Report

Posted 10 months ago

“This is the only bank I’ve had an account with that regularly deactivates my cards for no reason at all! This is the third time I’ve had to wrestle with them for my own money. I’m settling any debts I have and leaving. If you want horrible customer service, crappy online banking procedures and a company that almost wants to STEAL your money go to these people. I’m sick of em!!”

Helpful Report

Posted 10 months ago

“VyStar Credit Union is the worst bank to be a part of. I have an auto loan with them. They force users to add 5 dollars to their account and then take the 5 dollars due to inactivity. I had no interest in banking with them, and soon, I will be in the negative. I am working on moving my auto loan to another bank. They will steal from you with all their new rules. Beware.”

Helpful Report

Posted 10 months ago

“I have been with Vystar many years but their quality has really went downhill. I had my wallet stolen and we can’t print you a card but will mail you one. 2 weeks later nothing, called oh they have notes but it didn’t get mailed. We will waive the fee and we will print you one. No you’re not waiving the fee, you just didn’t do your job. My account has been synced to a credit company for years. Came undone in September (this is now mid October) and they have notes but idea when it will be fixed and we are sort it cost you 800 and have a good day. That is horrible customer service. Need to make a change.”

Helpful Report

Posted 10 months ago

“I am very dissatisfied with Vystar Credit Union. After doing business with them through a car loan for the past three years with my payments made every month, they refuse to make an exception for a “skip a loan” payment request that I literally have had to call them about 4 separate times after the hurricane Milton hit Florida which is where I live. Due to extenuating circumstances I wasn’t aware that my deductible on a new insurance policy for my car that I purchased was too high until it was too late for the new insurance company to switch the deductible in a reasonable amount of time for the skip my loan payment arrangement to be approved. The reason they would not change the deductible in a reasonable amount of time was because the hurricane was impending, and they were refusing to make any policy changes until the hurricane passed due to risk and there was also a waiting period after the hurricane past that had to pass before it would be updated. I explained the situation multiple times to Vystar agents and even had my request escalated to a supervisor by the 3rd time speaking with them. I submitted my request originally within the 10 day grace period that they give you to submit any requests for skip my loan payments, and was denied because the insurance deductible was too high. Subsequently I submitted two additional requests a total of three requests to try to get this get the loan payment arrangement approved. I explained multiple times after multiple phone calls that literally took almost an hour each time that the reason the deductible was not updated in time for it to reflect in their system was due to hurricane Milton. Even with that being stated and I even sent proof from the insurance company being sent to them, they refused. Literally no grace for a natural disaster that I had no control of that impacted my ability to immediately update insurance coverage. I did try to change my insurance to the correct deductible in as timely of a manner that I was aware, but was unable to do so because of the hurricane, and they literally won’t budge about making an exception. Not to mention I just had a baby and I’m tight on money b/c I am on leave, so that was the whole reason for the request. Their only alternatives are for me to make the payment asap and submit a new request for the following months or to do a deferment which would entail a hard credit check among other documentation that has to be submitted. Also they are terrible about calling back, I had to call to check the status of each request every couple of days. It is absolutely ridiculous and I would never want to do business with them again.”

Helpful Report

Posted 10 months ago

VyStar Credit Union is rated 2.8 based on 282 reviews