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

“After 2 days, multiple calls, hangups, I find out the transaction can't be completed now, but must wait over 4 days. Each rep was told this was urgent, and could have advised me there would be a delay. 2 days ago, I had other options. There is no ownership. The response was, but I did my part right, not my fault. Another bank will enjoy my patronage. They lost a decades long multi product customer. I can no longer recommend them.”

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Posted 1 year ago

“VyStar is the Words Credit Union Bank I codec come across with. Before they did the update that made their service a nightmare, I had no problems with them. Every week now they find ways to keep towing money out of my account. I keep trying to have them stop and resolve the issue, yet I get no response, and more fees added to my account. I am definitely leaving this inconsiderate bank. I’m tired of them robbing me money that I have to constantly borrow to other people since I’m going through some situations. I hate VyStar!! They are the worst and number one for stealing!!! Before you chooses them think twice, you are going to loose money guaranteed!!!”

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Posted 1 year ago

“I have been a member too long The ATM's doesn't work. They can't replace a debit card without screwing it up. No one knows anything and can't handle the issues. The response is always "We will report it" no action. Can not deposit my money without screwing it up and sending "My Money" back to the payor! WTF Are you thinking! That's my money not yours. I am in line to take as much out as I can to get away from their incompetence.”

VyStar Credit Union 1 star review on 16th October 2023

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Posted 1 year ago

“The experience with VyStar Credit Union has been the single most incompetent loan process I have ever seen!! Mind you I did loan processing in my previous life/career. To say the right hand isn’t talking to the left is an understatement— beyond embarrassing & pathetic ! I will NEVER work with VyStar Again!! H O R R I B L E !!!!”

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Posted 1 year ago

“very bad started to charge 5% fee on consolidation loans when I was told they did not charge a fee and refused to credit me. Bad business”

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Posted 1 year ago

“Got auto loan through Vystar credit union. Due 6th, lot rent due 5th. Had to go in to branch to change due date. Payment due was $292, set up autopay on 14th for $350. Car was repossessed for non payment. Called. Confirmed last payment was for $350, but back in April. This is now Sept. Told call my bank. Bank says problem on their end. Called Vystar back. Not only did they NOT set up autopay, but they NEVER EVEN CHANGED THE DUE DATE . The very reason they made me go in to the branch in the first place! I filed bancruptcy five years ago and the dealer had to call 12 banks to find somebody to give me a loan. Now, FORGET IT with a repo on my credit report on top of this. They CLAIM they sent me an e-mail, but I never got one! They claim they sent a letter, but the only thing I get from them shows payment due amount and outstanding balance. NOTHING about non payment. All because the woman at the branch NEVER SET UP autopay, NEVER CHANGED my due date. The VERY REASON I was told to come in to the branch. Now I had to miss work because I had to call off. LOSS of wages! Got a point at work (Disney) for calling off. Three points within six months and I am TERMINATED! NO POSSIBILITY of EVER getting a new car with a repossession on top of a bancruptcy. All because of the COMPLETE INCOMPETANCE of Vystar! I am waiting for a callback from a lawyer because I am seeking damages. SHE NEVER EVEN CHANGED THE DUE DATE!”

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Posted 1 year ago

“Was a member for over 30 years, multiple loans and financial transactions. Last two years have been absolutely horrible. Zero and rude customer support, incorrect credit bureau reporting, horrible online banking services. They get a one star rating from me in literally everything a credit union should do for its members down to cleanliness. Don't just "not" choose them for a credit union, run from anything they touch.”

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Posted 1 year ago

“The customer service is horrible you can't get anybody on the phone to help you it took me 3 weeks to get help I have nothing nice to say it would not recommend VyStar credit Union”

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Posted 2 years ago

“Worst customer service experience.”

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Posted 2 years ago

“I have loss the sale of my RV because of Vystar bank. I paid off my Travel Trailer early and they did not give me an early pay off. Then they would not accept a wire transfer so I did an electronic check. They won’t release my title for 10 business days after they take the money, which is a total of 17 days before they will release the title. Then it will take another 3 to 5 days for it to process through the DMV. Which is a total of 23 days. I couldn’t get a title release from Vystar for 23 days. I would not recommend Vystar bank to anyone.”

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Posted 2 years ago

“Waiting for 3 hours on the phone then drove to to vy star 6 cars in line nobody at the window something gotta be better”

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Posted 2 years ago

“Worst bank ever EVER DO NOT EVER USE THEY SCUMMY GARBAGE BANK they are down won’t let you do anything most the time and fail to do their job little on less answer phones worse bank ever.”

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Posted 2 years ago

“I truly advise everyone to not give this company your money. They do not appreciate you, rather, they make you feel like an inconvenience. It’s almost like they forget that without OUR money, they won’t even exist. So put your money into a place that values you, not this trash of a company with no customer service. Also the hiring managers should set the bar a bit higher when hiring these bank reps. This isn’t McDonald’s.”

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Posted 2 years ago

“1 year with this institution and I honestly can't come up with anything that's worked correctly. Debit cards, online banking, the loan department- all terrible. Vystar - it's a fail.”

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Posted 2 years ago

“After 4 months of ineptitude trying to launch an updated app and website much is still not functional. I have been on hold with online tech support for 1 hour and fifteen minutes. I just spoke to someone and explained the issue. She said she did not have access to the app( not kidding) and now have been on hold for an additional 10 minutes awaiting someone who has some knowledge about external transfers. I have been a VyStar client for many years and cannot believe that there was not more texting and planning done prior to launching the app. The VyStar President went on vacation during the crisis which days a lot. By the way I am still on hold!!!”

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Posted 2 years ago

“After 40 years of loyalty - they got the BOOT! This failing financial institution remains dysfunctional going on 5 weeks. Sporadic to, no on-line account access. NO telephone access except an automated program. NO reliable external transfer capability. NO on-line chat capability. Account updates are untimely and inaccurate. Their so-called "Risk Security & Fraud Dispute department " is undoubtedly, the worst in the industry." They will harass a member to verify each transaction, yet cant notice the most obvious repeating fraud transactions occuring during their complete system failure. I lost thousands. We're so fortunate to have recovered our funds. Vystar has NO member/customer loyalty. I was able to withdraw most of my remaining funds and deposit in a reliable credit union. Unfortunately, the receiving institution placed an extended hold on their certified checks until VyStar was able to actually transfer the funds. No wonder they are not BBB accredited! Sad, but true.”

VyStar Credit Union 1 star review on 24th June 2022

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Posted 2 years ago

“As we are all aware Vystar’s online system has been down for weeks. I have been a loyal member of Vystar since 1997 and recently contacted Them to send a wire to pay the rent for my business space. This is something I’ve been doing seamlessly for months now. I called and got the recording stating it would be a minimum of 60 minutes wait time to speak to a Representative. I opted for a call back, (2) hours later I received a call back and spoke with Eric Ref # 286577 who proceed to verify my information to process my request. I was asked to verify my name, email, and account number which is normal, but I was then asked to verify my driver’s license. I found this to be odd, as this is the first time, I’ve every been asked by Vystar for my license number. Normally I provide name, account number, account password and then I am sent a verification code to the number I have on file… I expressed that to Eric who responded by telling me he could send me back into the call que to speak to another representative. This very tasteless comment really set me off… how dare he I’ve been patient with all of the inconveniences I’ve made to endure, actually still enduring with Vystar and this person had the unmitigated gall to speak to me in that manner. This was unacceptable and very poor customer service!!! Vystar, please teach your Reps to do better”

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Posted 3 years ago

“3 weeks now I can’t get anyone on the phone, access my account online, or access my information with magic touch. This is the worst bank I ever had over the past 40 years. The member needs to bankrupt this organization. Horrible!”

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Posted 3 years ago

“I don’t trust your mobile banking. The information is so misleading on your website and the agents give completely different information. I called four time and want my money. Don’t use mobile banking they have limited locations and are not helpful”

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Posted 6 years ago

VyStar Credit Union is rated 2.8 based on 271 reviews