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

“Never had a bank change the rules as they see fit and then hide behind a policy that’s always been in place. It they choose to ignore it. I’ve never had a bank work so hard to make business so hard to do. This is by far the worst credit union to deal with and they choose to be this way.”

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Posted 1 year ago

“Went to local branch to cash check written to me, because the check was over 500 dollars it was required to be confirmed with check author, who was unavailable. They wrote all over the check front and back, know my financial institution would no longer honor it. Had to jump through hoops to get a hold of check author, to call and confirm check forcing me to make a second trip to vystar. With check previously documented they asked me to go through all the same stuff again, when the assistant branch manager Colton Baby , who was there for the first time and received all pertenant info , was made me go through all the same steps again just 20 mins later. Vystar is a complete shitshow. After last year's online fiasco and my current experiences I would never bank with Vystar.”

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Posted 1 year ago

“This is to be the worst and I mean the worst! Credit union I’ve ever had when it came to financing a vehicle. Long story short they keep giving me the run around for a principal payment that should’ve been taken off due to a cancellation of a warranty package more than 90 days ago. Every time I call they either tell me it’s a different department or that they don’t handle that type of issue. I don’t see myself staying with them much longer. Flat out ridiculous!”

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Posted 1 year ago

“I would choose a zero rating if I could. VyStar is the absolute worst! I've banked with them for over 20 years. I have six accounts with them, including a business account. This past year has been the worst experience you could have at a credit union. I use bill payers. Well, they send my bills late. As of lately, I've received a late fee on my credit card bills because of the late send-off. When I called to ask what the problem could be, it turns out if the bill payment date falls on a weekend, then VyStar sends it late. The rule is if the due date falls on a weekend, then it's sent early. When I contacted them, they suggested that I send it early. Wow! I couldn't believe it. I have 15 recurring payments and they suggest that. That completely defeats the purpose of online recurring payments (bill payers). Honestly, this is just one problem I've had with them. I can go on and on. I absolutely hate this credit union! They've gone down in quality. Horrible.”

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Posted 1 year ago

“Vystar charges there customer $29 courtesy fee. They double dip. I can see if the customer doesn't have the money any the account but the bank takes whatever money you have and then turn around and charge you on top of that. A $1.47 short in the account they charged me $29 bucks and I put the money in when I noticed it wasn't enough before a NSF fee.”

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Posted 1 year ago

“So I signed up for a 3 month deferred truck payment in early may 2024, I paid the process fee and told it would start in June for 3 months, payment came out in June, so I go to the credit union and they informed me it processed late so it would start in July, guess what it came out again, wonder what the excuse is now. Bad business practice when you pay a fee and still get screwed iver”

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Posted 1 year ago

“The Fraud Dept is straight garbage all they want to do is cut your card off 7 to 10 business days and give you the company talk. Lyn hung up on me. Chinique Refused to transfer me to a manager or give me the managers name or number. I finally told Chinique that she was ineffective in her job and to be effective as a supervisor,she should call members.service's, explain the situation then transfer me to members service's. I guess the wait was to long because she transferred me to wait on hold. So I feel like I'm not important enough to be a member of Vystar. Lyn and Chinique are both supervisors in the fraud dept. I have never been treated like this.”

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Posted 1 year ago

“First, I had to go in to the branch to set up autopay for my car loan. While there, the associate asked if I want to get a secured credit card. Ninety days later, they repossessed my car! Incompetant associate never turned in my paperwork! $1000 impound fee for THEIR incompetence! Since they DESTROYED my credit rating I asked to close my secured credit card. “Will take 4-6 weeks to process.” TWO MONTHS later, no check. Called. “Five to ten business days.” Two weeks later no check. Called. “It has been processed. I don’t know why you haven’t received your check. Three to five business days.” Three weeks later, NO CHECK! Called. “It was put in your savings account.” Tried to get them to wire to my bank. REFUSED! “You have to come in to the branch.” I specifically asked for a check because their closest branch is over 10 miles away through NIGHTMARE traffic. Never in my life have I seen such an incompetent group of people. Stay away from Vystar whatever you do. They will DESTROY your finances!”

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Posted 1 year ago

“This is the worst financial institution I have ever done business with!!!! Look out for forced insurance fees (even when you have an active insurance in place). It can cost you $1,655.62 free to the institution for something you are not at fault!!!!! These people are the worse! And even got my car impounded for that!!! Even after doing all monthly payment! These people are a scam!!!!!”

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Posted 1 year ago

“This is the most evil company on earth. I developed a health issue in 2020. I attempted to negotiate a solution with them, and they refused. I kept trying to work something out with them, and now they are suing me. I've been in constant contact the whole time. I answer every time they call, and I have given them over $5000 since I've been sick. I wish I had never met them.”

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Posted 1 year ago

“Had yet another fraudulent charge on my debit card and of course was told I had to wait 7 to 10 business days for it to be mailed I immediately got forwarded to a different part of Customer Service to ask if there was anyway to speed up this process or to get one printed in a branch and I was told it was not possible I would have to wait 7 to 10 business days. I already anticipate this being a ridiculous process as the last time that I got a fraud charge on my debit card I waited 11 business days and they still could not explain why it hadn't arrived in the mail yet so after waiting Nearly 3 weeks with a ton of back-and-forth I went into the 103rd St branch where I had originally spoken with a teller about the card being mailed out and upon looking at my account and seeing that I had in fact been waiting over three weeks she told me to hold on and that she would print one out . So I am confused can they really print them out right there at the location (obviously) but apparently you have to have waited some ridiculous amount of time or received horrible customer service/experience with them in order to get it printed in the location. Just ridiculous, obviously they can print them out at the locations they are just being cheap and/or lazy and it is causing the valuable customers (that are the reason that their company is up and running) inconvenience and hardships. VyStar obviously does not care at all about their customers and I cannot wait to take my business elsewhere.”

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Posted 1 year ago

“We have been members of VyStar for over 20 years personally and have our business account with them for 2 years. Ever since they upgraded (bought their own software), it has been nothing but issues and their customer service is ridiculous! WOULD NOT RECOMMEND THEM TO ANYONE!”

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Posted 1 year ago

“This bank is a joke! I was scammed on my account, which sent it negative. The fraud dept has taken almost 60 days at this point, and not done anything about it. And now, they are threatening to close my account and report me for the negative balance! ARE YOU F*CKING KIDDING ME??? HIGHLY suggest going elsewhere, to the FULLEST F*CKING DEGREE! I called and asked about this, and they told me that I had to cover the negative FRAUD balance to save me from going into collections! I have NEVER had a bank do anything as shady as this! WOW! And, I am very good with my money! I am not a low hack scammer!”

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Posted 1 year ago

“SOMETHING IS WRONG WITH THEIR WEBSITE. IT'S NOT SHOWING MY ACCOUNTS AFTER LOGGING IN. I CALL TO REPORT THE ISSUE. THE 1ST REP SAID DIGITAL DEPT FIXES THAT. SHE HUNG UP ON ME. I CALL BACK AND WAIT ANOTHER 30 MINUTES AND EXPLAIN IT TO LEE. SHE XFR ME TO DIGITAL AND HUNG UP ON ME AFTER WAITING 30 MINUTES! I CALL A 3RD TIME AND GET LEFT WAITING A LONG TIME AGAIN!!!!!!!!!!!!!!! THEIR TECHNOLOGY SUCK. THEIR PHONE SERVICE SUCK!! SO MANY PPL NEED TO BE FIRED FROM THERE IT AIN'T FUNNY!!!!!!!!!!!!!!!!!!!!!!!!”

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Posted 1 year ago

“I need to transfer money so I can pay at the register. I log in and I get a message saying I'm not allowed to perform this action. WTH? This keeps happening. So tired of all the issues. Youve Cost me so much!! SO TIRED OF ALL YOUR ISSUES. BYE! I👋”

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Posted 1 year ago

“Both my credit card and bank card was stolen, placed a call to customer service ordered replacement cards. Waited three weeks cards never came, called back customer service, they indicated there was something flagged on my account related to my address(this have never been a problem before I still received my monthly statement) . I proceeded to ask the representative why a member could not reach out to me making me aware of this issue, if I did not follow up would I have never received my new cards. The representative stated she would put a note on my account and I wound be able to go into the branch and collect the replacement card, since I have been without a card for three weeks. All my bills are set up for automatic payment through Vystar. Went into the branch was not able to get a replacement and there was basically nothing they could do, the replacement card would be mailed out in 7-10 business days. Bringing my estimated waiting time to over one month. So I am literally sitting in my car at the side of the road because I have no card to purchase gas. GREAT JOB VYSTAR, AWESOME CUSTOMER SERVICE...SMH”

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Posted 1 year ago

“I got married in 1986. My husband was bouncing checks. My thwn husband wanted ne to sign an overdraft agreement for $2000 so he wouldn't bounce checks. He kept bouncing checks. I separated our accounts. Years ago I relieved that although my name was no longer on hus account the credit union has still left it on the overdraft. After an argument with thrm they finally froze his account so he had to start paying it back. I made it perfectly clear to them at tgat time they needed to use the minimal insurance they had in him to paybthatbaccount because we had been divorced for sometime by thus point. And not one dime of the loan had I used. I was a niave newly married wife when I signed tgat to help him. They took it off my credit report and froze the loan. He died in March. I just girls a letter from them 36 years after I separated our accounts and never used that account again. That I owe them 1,896.03. He has been remarried for 8 years and she has used the money he has borrowed from them. They could have made him refinance this when they realized years ago what he had done. But, the chose to rather ho after a wife he didn't even pay a dime if child support to for 8 1/2 years. This credit union is a vulture to innocent niave freshly married people.”

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Posted 1 year ago

“Wish I could give you a 0 !! You guys now spend so much time being "good" that you have lost the plot, when it comes to customer service !! Don't give me all your stupid virtue signaling, just do your job! And operate with some common sense !! Long time customer, about to go elsewhere. I have Vystar Mortgage, Heloc, Money Market and Visa. Just fed up !”

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Posted 1 year ago

“The "Credit Card "Side of Vystar is poor on helping the customer. Customer Service reads from script, unfair and they don't LISTEN of the errors made. You make a payment, 1 department states they have the payment, you speak to a supervisor, they state NO payment? The member services state they got the payment, they withdraw from your bank account. If I could do 0 -Zero- stars I would! "Visa " is doing Vystar Credit Union accounts.”

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Posted 1 year ago

“I lost my ATM card on april 22, the told me to wait 7 to 10 days for a new card. When I call again for check the satus they told me the order was made on the 26, so I decided to go to a sucursal and ask the lady if they can give me a provisional card because I have responsibilities and need to move my money. The answer was “they are not allowed to print cards in the bank and I can paid my bills with the account number, when I ask how I going to paid my groceries for example, she said that this is not her problem, and I just need to wait”. Three weeks later I’m still waiting for my card.”

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Posted 1 year ago

VyStar Credit Union is rated 2.8 based on 282 reviews