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

“Going in the drive thru, my money I have over 80k in my account I'm on crutches and they told me the manager policy is 2 k max I want 3 k gave me a hard time again my money stupid policy on max amount at drive thru. when I'm able to walk I will be closing 5 accounts and going else where”

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Posted 1 year ago

“Had unauthorized "pending"charges on my card pending instead of canceling these clowns paid it causing overdraft poor customer service and God forbid you need to speak with someone after hours or weekends. Don't business with these money laundering bank.”

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Posted 1 year ago

“Vystar is a joke. I have had nothing but issues ever since I got my auto loan through them! I pay my bills every month and I always pay early ! They are trying to tell me that I missed a payment and I have paid every single payment ! If I was missing a payment wouldn’t you think they would call or send a email . Also I was getting my statements every month and it did t say anything on those statements about me owing anything. I am not happy at all . I’m going to look into and see if I can change companies”

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Posted 1 year ago

“If you could take your business else where! The Winter Garden branch associates are not well trained and they don’t know what customer service is about. From the associate to the assistant branch manager there, simply unhelpful. They will tell you what you want to hear when you show up at the branch, when you try to call or email you got no response. I will close my account with VyStar.”

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Posted 1 year ago

“I asked to have cancelled checks copied as the newer online system does that work. I was told in a rather rude way by teller James at the Fleming island branch I had to have someone other than the tellers to do that. Usually that either requires a long wait or an appointment. I was told I offended the teller nearly by trying to explain my disbelief after nearly 8 yrs with Vystar to be treated in such an unprofessional manner. I would like to speak with a bank executive. Thank you.”

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Posted 1 year ago

“This is ridiculous my chip fell out of my debit card now they are telling me 7 to 14 days to mail it to me that is an entire week or two just to get my money how am I supposed to live without my money VyStar needs to do something about this ASAP this new policy where they can't reprint the cards is BS I may be changing Banks over this one”

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Posted 1 year ago

“I've had the same account with Vystar since 1981. Yes, 43 years. I've always been happy with VyStar up until the last 4 years. First the system implementation that went wrong. And now every thing takes 7-10 days to process. I opened an additional checking acccount and transfered my money from my linked account. Yes my money. Well 5-7 days for and internal transact to hivlt the new account. They are literally holding my money. When I opened the account I asked for a debit card. In the past they generated a debit card immediately. Now, 5-10 days that has turned into 2 weeks. Their service is far from what it used to be. It's time for a change!”

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Posted 1 year ago

“I used Vystar to purchase a car with their car loan. They continue to charge me $180 a month for insurance. I have full coverage of my own I have provided proof sever times up loaded my policy declaration page, emaild it, personally brought it into the credit union . Sat on hold with them for hous at at time on 7 different occasions. For them to tell me the issue is resolved then a month later all the charges come back and I am charged again. They have ruined my credit score, caused me to miss work and the issue is still not solved!!!”

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Posted 1 year ago

“They have the rudest employees! They have forgotten who they work for.”

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Posted 1 year ago

“My card has been hacked twice in a matter of two months. The VyStar branch near my location no longer prints debit cards. Instead you have to call the customer service and have it shipped which takes 7-10 business. It took THREE representatives to finally get my card shipped to me and I spent over a month without access to my money because no one would do the bare minimum required of their job to send out my card (in which takes DAYS to receive!). My thoughts.. 1) if this bank is not going to provide the extra security measurements to protect the customers money then they need to at least print debit cards at every branch. If that isn’t feasible for whatever possible reason, then at the bare minimum over night every debit cards so the customer has access to THEIR money. I had bills over lap in the process and my credit score was affected. Again, all due to their employees not sending out my card MULTIPLE times. I am currently in the process of finding a more reliable bank that allows me to have access to my money and pay my bills on time without my credit score that I have worked so hard for being affected!”

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Posted 1 year ago

“How about when I called 8 days ago to request a new debit card by mail, and my card never arrived? I called the customer service number and spoke to the same lady from 8 days ago. Supposedly, she ordered my card, but in fact, she never did. She tells me the card was not shipped due to an update on my profile, which is false! I never updated anything; she just never shipped my card. Additionally, it is absolutely hard to understand her; she mumbles a lot and did not give me a proper explanation. This is the second time this lady has answered my phone call, and it is the most terrible experience I've had with bank customer service. Please teach these people proper customer service and consider re-evaluating Mrs. Hanes's employment, as she seems unable to fulfill her job duties correctly.”

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Posted 1 year ago

“WARNING!!!! This is the absolute worse banking experience I have ever endured in my entire adult life. Their employees drop the ball on things and then your the one that has to clean it up and suffer for their incompetence. In all seriousness, if your considering them for an auto loan, mortgage, or using them as your bank, think twice they are completely rude, unhelpful and they have corrupt, shady, and down right rude customer service. Find another Financial Institution, you will be scammed and treated terrible. By far the worst customer service experience I have ever encountered. Do yourself a favor and stay very far away from this Crapshow.”

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Posted 1 year ago

“Please if you even get scam or some type of fraud. Don’t count on VYStar because they really won’t give your money back. It is sad because i really thought being in a credit union bank they would always help you and unfortunately no they did help me.”

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Posted 1 year ago

“In September 2022, I had a horrendous experience with Vystar and lost more than $391,000. My 72 year old husband has multiple health issues and when his medications are not working he suffers from attacks of extreme mania. He had suffered two previous episodes, in August was given Loritabs, and by September 1, he was in complete mania. I was in continuous communication with his doctor and with our attorney and on September 2, 2022 I closed our joint account at Vystar and moved the more than $391,000 to an account in my name. My husband had taken more than $10,000 from this joint account in the days before, so at the advice of our attorney I moved the funds out of his reach, or so I thought. In my husbands drug induced mania, he was out buying new tires and was leaving to go the the casinos in Biloxi. With $10,000, he would have been back in a week or so with relatively little damage done. On September 6, without contacting me, Vystar released the $391,000 to him and he was off to the races. Casinos from Biloxi to Arizona were beneficiaries of Vystar wonton negligence. Only after ending up in the hospital in Arizona and having run through the money was he able to get sobered up. Stuck in Arizona with no money, pathetic and remorseful, my senior citizen husband was as much of a victim of Vystar as I was. Living alone at a time when he needs someone more than anything, he's a living husk of the man he once was. At this point, the money is irrelevant. It cost me my marriage of 28 years, my peace of mind in knowing my money was safe in the bank, and my trust that people will do the right thing when they err. At 59 I'm picking up the pieces and trying to restart my life because of the careless mistake of a Vystar employee. Vystar has the nerve to try to sue my ex-husband and suing him for 3X damages. What about the damages to my life? Never risk your money with Vystar.”

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Posted 1 year ago

“Vystar: Charges $32 fees without contacting customers; and without giving customers timely notice to allow them to add money to their account. I will be moving my account to a more customer oriented banking institution.”

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Posted 1 year ago

“I use them for my social security deposit and all the years I was with them i was never overdrawn but I screwed up last check and was over by 35 Dollars. I expected a penalty for it but telling me that I can't get a debit card for 6 months as punishment.. not cool . Do not trust this bank. Run away as fast as you can.”

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Posted 1 year ago

“If I could give no star I would. Vystar member service is a complete joke. I cannot wait to go to Campus Credit union. The supervisors are as automated as the representatives. The local branches are much better than 904 777 6000 if you have any issues. I should have left when everyone I knew was leaving.”

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Posted 1 year ago

“Their customer service is the WORST. I tried using their Majic Touch system to make a payment and let me tell you its no magic!!!! My account is current and I wanted to make a$2000 payment. After entering all the information it said it had to transfer me to customer service. I was on hold for 30 Minutes!!!! So I called back and got a customer service rep that could hardly speak English. He said everything looked fine. Which I already knew. But that he would transfer me to an account rep. What why did I call him if he cant solve my issue. This is not the first problem I have had with customer service. I am paying off my card and going elsewhere. I suggest if you are considering opening account with them DONT!”

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Posted 1 year ago

“I opened my account a month ago. Set it up for my pay to go in there. They were very friendly and helpful. Now because I had two deposits put in my account,one through Zelle and another ACH. My account is frozen. They said because I used Cashapp and Coinbase app. I am involved in a scam. These deposits were for cash. Now I am supposed to explain myself and give them phone numbers of the people who gave me the money. This is my money. They have emptied my savings account,claiming they are sending the money back. I have no access to my pay for groceries or bills. They say unless I prove myself, money from my checking will be sent to my friends. They are thieves. The woman made it clear she thinks I am lying. It is my money. Keep your hands off”

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Posted 1 year ago

“My uncle is a disabled veteran trying to get his funds withdrawn via an activated POA. VYSTAR's customer service is not knowledgeable and gave erroneous advice. Additionally, at the bottom of a letter they sent, it clearly states "Call any VYSTAR employee for assistance." That's a farce!!! I went through several reps and NO ONE could help. Vystar is being unreasonable, unfair, and deliberate in their petty expectations. I have been through this same process via multiple other banking entities, VYSTAR is the worse. We are talking about a 75 year old, low income veteran with a service connected disability, who is being unnecessarily put through the paces over a technicality. I will take this story to anybody who will listen, any Veteran's Service organization, any google review, any Veteran! Vystar Credit Union is Painfully disappointing.”

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Posted 1 year ago

VyStar Credit Union is rated 2.8 based on 271 reviews