VyStar Credit Union Reviews

Name: VyStar Credit Union
Rating: 2.77

2.8 Rating 282 Reviews

43 %

of reviewers recommend VyStar Credit Union

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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

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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

“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 10 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 10 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 10 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 10 months ago

“Terrible place needs to be shut down”

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Posted 10 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 10 months ago

“I am not even a Vystar member yet I am a 121 Financial member some how my information from 121 must of leaked out I m getting text galore advising me $56.99 is being drafted out of my account. Now I just received one 10-1-24 Saying a transaction for $1092.00 will be drafted out of my account. Called Vystar on hold 28 minutes to speak to service rep got no where. I just I just Hope my information wasn’t sold to somebody other than VyStar. Wonder one making the transaction to VyStar they were not too bright either. They were very poor customer service very very poor administrative very poor management running their company. That is why they’re out of business. I would take your money and Run Don’t let Vystar take over your account The manager could not even tell me what time of day to call where it is not such a long hold time. My time is important too.”

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Posted 10 months ago

“I'm sharing my experience to warn others about this scam , who promised me huge returns but ultimately disappeared with my investment. Fortunately, I was able to recover my funds with the help of COVSECLTD*COM, a reputable recovery service. I strongly advise everyone to stay away from this company and not fall for their false promises. Instead, seek help from trusted sources like COVSECLTD*COM if you've been a victim of a similar scam.”

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Posted 11 months ago

“My experience here was a very terrible one. After I had made my second deposit I was blocked out. Nothing I did worked. I was so frustrated and giving up on my money when ROSE HOOVER came to my rescue and helped me out with the issue. I would have been in a big mess if I had not met ROSE HOOVER (rose_hoover_90_AT_Gmail_._com) personally by emailing them privately. I wish to recommend ROSE to anyone in recovery of loss. She saves me and I believe She can also save others who have run into loss. WhatsApp :: +1 660_233_3165.”

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Posted 11 months ago

“VyStar sucks. They don’t have enough employees answering the phone their policy is terrible and the ceo only cares about himself not the customers. I’ve been a member for 25 years and I am officially leaving. Good riddance to a terrible credit union.”

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Posted 11 months ago

“Ormond beach vy star bank is always short of help. First in the drive through 2 cars behinds me got waited on and left. Trying to see manager nobody is coming..finally a person came here. You go inside and always have to wait. You can't go in a office to talk about your personal business or apply for a loan you do it standing by the window where everybody hears your birthday date and social security number. The manager is always busy no asset. Mamager here. AtM machines at both volusia county are always down. Ormond beach is closed on Saturday now. You have to go across town to the other bank. They used to have a ATM near our home that's why we actually open an account here after being here 6 months they shut the ATM down near our house they are closing places down and they are short of staff”

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Posted 11 months ago

“I have had vystar for over a year know and it was great at first . The whole reason we chose them was because they were open on saturday for a few hours . Then the location we were close to decided to no longer be open with no warning . Then lately no matter how we use our debit card we keep getting fraud alert and they keep shutting our cards off . spending money with apple pay and amazon is normal . I have had my car shut down twice in three months but they don’t offer to have you print one in branch . once i can i will be closing my account .”

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Posted 1 year ago

“The Branch in Regency never has enough people working the teller line or the drive thru. Heaven forbid you need to have someone help you. We should charge them back for our time. The lines are long and frustrating to deal with. They need to take a play out of Chick Fli a playbook. Vystar use to be the BEST Credit Union in Town now that are the WORST. The CEO down has lost the fundamentals of what customer service is. They have a 2.8 rating. The Board needs to wake up!!!”

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Posted 1 year ago

“Does not have your back when it comes to fraud situations. They side with the con artists and scammers.”

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Posted 1 year ago

“I've had my credit card for 3 years, a $27,000 credit limit, have no balance because I pay in full several times a month. I have several auto pays to my card. In June 2024 , I requested to add my wife as an authorized user. Called their 800 number. The person assisting me took my wife's information and said I would get her card on 7-10 business days. By the 24th of July, I hadn't received the card yet , so I called again only to be told that no card was ever ordered. So, went through the process again. Now, August 13, no card. Went to the branch in Flagler Beach and spoke to Charles, manager. He assured me that the card was ordered. Not trusting, I called the 800 number again. No card was ever ordered again. So, went through the process for the third time. Specifically told the person I was talking with that I simply want to add my wife as an authorized user, same card number because of my auto pays to the card. He assured me no problem. Today I find out that he's issuing me a new card, new card number! Now I have to change all my auto pays when I get the card in 7-10 business days! Hopefully I will get the card this time. Such a simple request and they were so unsatisfactory in taking care of it. I have a lot of money in my accounts and a mortgage. It is simply disgraceful how they just pass the buck and blame someone else for not handling this correctly. The reps on their call center are either totally not trained or just don't care. I am appalled with the inconvenience they've caused me. Go to a branch if you need help. Most of the branches are very helpful and considerate.”

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Posted 1 year ago

“VyStar is the absolute worse bank I have ever financed through. I have a car loan through them and they tacked on CPI (an extra 180$ on top of my monthly bill) due to my insurance policy not reflecting that coverage. Long story short I signed up for that through progressive and VyStar was supposed to issue a credit back to me and instead they said they just “took that off my monthly payment moving forward” no how about you STOLE from me because those credits were never owed on my following payments. It was DUE back to ME.”

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Posted 1 year ago

“This credit union is absolutely sickening... I will say the general customer is polite but misleading. Someone hacked into my card and I had to order a new card... I waited 11 days only to call VyStar for them to tell me my card must have been lost in the mail. They said they refuse to expedite the card and go into a local branch and pay for one. There's no virtual card to use on the app and they didn't fully reimburse the money taken from my account. The app glitches and whoever engineered it is pathetic.”

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Posted 1 year ago

“I wish I could give them a 0. I am a retired banker (PNC Bank) so I am probably a bit more understamding...but...I have had problem after problem...even stuck with them during olb fiasco (which was ridiculous and caused many bill payment Issues for MONTHS) 4 days ago I was charged 6 overdraft fees BECAUSE the associate did NOT set up Overdraft protection as we discussed and I requested ...I called for reimbursement as it was their error (customer service confirmed they did not set up the Overdraft protection as requested) and I was told "it's my responsibility to check my accounts" (my mom has been very ill and I'm having to travel to SC alot, hence the reason for Overdraft protection because I can't monitor daily and I don't have to continually monitor it! I will add I have a significant daily balance in the account it was supposed to be linked to/transfered from. I cant stress enough they do not do their jobs and will mot take responsibility for errors on their side. We pay for their lost revenue.....”

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Posted 1 year ago

“You always say at vystar. ; We always remember that it's your money,* Well you never do! You rarely if ever answer the phone and when you do you can never ever help me! And to top that off it's always my fault not yours! I deposit money on your online money deposit. Then you tell me it didn't work! So I do it again and you take the same amount of money out of. The payee's account twice. I call up and ask if there's anything you can do about it a sorry no we can't do anything about it and even if you go into the bank they can't do anything about it so they took the money out of my roommates account twice to pay me and I had to give him back a check for $1,000 to cover the expenses of them taking too much money out of his account he had to get on his bike and go over there and give them more money because they made a mistake taking too much money out of his account. And it's always my fault during my roommates world it is never ever VyStar swap you are perfect haha. I would take my money out of the bank but my social security goes into her and I don't want to screw that up but you have a lot to learn when it comes to banking and pleasing your customers. I am one dissatisfied customer”

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Posted 1 year ago

“Extremely poor management. Unable to make good decisions on customer issues. Very sad to see such poor leadership”

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Posted 1 year ago

VyStar Credit Union is rated 2.8 based on 282 reviews