VyStar Credit Union Reviews

Name: VyStar Credit Union
Rating: 2.79

2.8 Rating 271 Reviews

44 %

of reviewers recommend VyStar Credit Union

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2.8

Based on 271 reviews

Shipping & Delivery
Delivery Methods	Own Driver, Postal Service
On-time Delivery	Greater than 86%
Customer Service
Communication Channels	Telephone, Live Chat, Email
Queries Resolved In	Under An Hour
Customer Service	2.8 out of 5

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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

“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.”

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Posted 7 months ago

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

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Posted 7 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!”

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Posted 7 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!!!!”

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Posted 7 months ago

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

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Posted 7 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/”

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Posted 7 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 7 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.”

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Posted 7 months ago

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

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Posted 7 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.”

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Posted 7 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!!”

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Posted 7 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.”

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Posted 7 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.”

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Posted 7 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.”

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Posted 7 months ago

“Was 121 customer that was converted to VyStar. Mobile Banking app was a real pain setting up. Clerk at Baymeadows branch was no help and seemed irritated that I asked for help. Accessing account through app is a real pain, can’t be done quickly. Didn’t like them 50+ years ago when I was stationed at NAS Jax. They were Jax Navy FCU then. Like them even less now. (I opposed the merger.) I’ll be closing accounts in December when I schedule 2025 retirement and SSI disbursements. I’m to old for their BS.”

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Posted 8 months ago

“Go check your compass. Months of this nonsense. Recommendation "FIRE" the CEO and CIO. Can't access money without all these steps. On phone waiting 40 minutes to complain again. Moving accounts to Florida Credit Union on Roosevelt when opens. Software change continues to be a schitt show! Clear customers' money is not their concern. Horrible credit union!”

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Posted 8 months ago

“Not even a member yet—being converted from 121 FCU and I’m already unhappy. Was told my 121 credit card had to be converted and it never arrived in the mail. I called after the arrival window for the card ended to get it resolved and they said they can’t help me until next week, then it will take 7-10 days to receive it (once they finally can order a new one). If I would like, they said that they can put a rush on it, at my expense…which makes no sense to me. I didn’t ask for the credit card to be converted, I didn’t lose it, I didn’t decide the original one should be shipped with no shipping confirmation, and now I am potentially at risk for not having a card to use if anything goes wrong with the conversion of my debit card or if I have fraud on my debit card i the interim and need to shut it off. On top of all that I was disconnected three different times when calling and spent over an hour on hold with people. Just wow.”

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Posted 8 months ago

“I applied for a loan at Vystar which they denied even though I have been with them for fourty years and always paid my loans back without issue. But since I applied for a loan with them, I am inundated with calls and emails offering me loans. I feel that they sent my information forward and now I am getting annoyed daily by loan companies. This is not the bank I joined years ago. Very frustrated with them.”

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Posted 8 months ago

“Terrible place needs to be shut down”

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Posted 8 months ago

“Crystal Davis and Tierney Austin 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. Those 2 women are 2 of the worst women in Vystars history. There are others but I won't name them. Crystal and Tierney made things worse deceiving me into thinking they were on my side when they really weren't. They're the phoniest reps at Vystar branch located on Crystal Springs Rd. 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.”

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Posted 8 months ago

VyStar Credit Union is rated 2.8 based on 271 reviews