VYSTAR CREDIT UNION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32244	Web
XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX United States ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : ( XXXX United States ) XXXX XXXX XXXX XXXX, CA XXXX Options XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Consumer Services Department XXXX XXXX Removal Option XXXX XXXX XXXX XXXX, PA XXXX Federal Trade Commission Consumer Protection Financial Bureau The Following Account IS in Violation of the Florida Statute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX o XXXX I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. I received a letter stating that in the year XXXX TWENTY SIX YEARS AGO there was an alleged account. THIS IS BEYOND ANY STATUE UNDER DEBT COLLECTION The exact statute : [ 15 USC 1692e ] ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 95.11LIMITATIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS. ( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. ( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ). ( c ) An action to foreclose a mortgage. ( d ) An action alleging a willful violation of s. 448.110. WITHIN FOUR YEARS. ( a ) An action founded on negligence. ( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority. ( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest. ( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment. ( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures. ( f ) An action founded on a statutory liability. ( g ) An action for trespass on real property. ( h ) An action for taking, detaining, or injuring personal property. ( i ) An action to recover specific personal property. ( j ) A legal or equitable action founded on fraud. ( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts. ( l ) An action to rescind a contract. ( m ) An action for money paid to any governmental authority by mistake or inadvertence. ( n ) An action for a statutory penalty or forfeiture. ( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes. ( q ) An action alleging a violation, other than a willful violation, of s. 448.110. Please note : On June 5, 1933, the UNITED STATES congress passed House Joint Resolution 192, which served as a declaration of bankruptcy. Congress declared in HJR 192 that demanding payments in Gold ( constitutional money ) or in any particular form would now be against public policy. At the same time, President Roosevelt issued executive order 6102 forbidding the hoarding of gold coins, gold bullion and certificates. With this executive order, Roosevelt ordered that most of the gold in circulation be turned in to Federal Reserve Banks across the nation under the threat of fines and 10 years imprisonment. What the leaders at the time failed to disclose was, that with the confiscation of all gold ( money ) and property, that made all Americans ( Spelled in Proper case ) CREDITORS to the U.S. bankruptcy. Because of the passage of HJR 192, it was now illegal for Americans to pay for anything. Gold was traded for Federal Reserve notes of indebtedness, which made paying for anything impossible, as notes of debt do not pay for anything but delay the payment until a later date. What the government offered instead of gold was CREDIT, but they offered it to the banks, not the people. The Passage of HJR 192 JOINT RESOLUTION TO SUSPEND THE GOLD STANDARD AND ABROGATE THE GOLD CLAUSE XX/XX/XXXX XXXX XXXX Cong. 1st Session Joint resolution to assure uniform value to the coins and currencies of the United States. Whereas the holding of or dealing in gold affect the public interest, and therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount of money of the United States measured thereby, obstruct the power of the Congress to regulate the value of money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in payment of debts. Now, therefore, be it Resolved by the Senate and House of Representatives of the United States of America in Congress assembled. That ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount of money of the United States measured thereby, is declared to be against public policy ; and no such provision contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be XXXX upon payment, dollar for dollar, in any such coin or currency which at the time is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law. ( b ) As used in the resolution, the term " obligation '' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term " coin or currency '' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. SEC. 2. The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled " An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and for other purposes '', approved XX/XX/XXXX, is amended to read as follows : " All coins and currencies of the United States XXXX including Federal reserve notes and circulating notes of Federal Reserve banks and national banking associations ) hereunto and hereafter coined or issued, shall be legal tender for all debts, for public and private, public charges, taxes, duties, and dues, except gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight. '' Approved XX/XX/XXXX, XXXX XXXX Additionally The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. 1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX, XXXX, 1933 H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~Perry v. U.S. ( 1935 ) 294 U.S. 330-381, 79 LEd 912, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a. When a government goes bankrupt, it loses its sovereignty. 2. Public Law 10 Chapter 48, 48 Stat. 112. 3. Public Law 73-10 40 Stat 411 Act ( TWEA ) OCT 6, 1917 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected. Under XXXX XXXX XX/XX/XXXX and validated in XXXX above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law BANKS CAN NOT LEND DEPOSITORS MONEY TO BORROWERS WITHOUT THE DEPOSITORS WRITTEN AUTHORIZATION, IN REALITY, BANKS DO NOT LEND THEIR DEPOSITORS MONEY. ~12 U.S.C . 1828. A national bank has no power to lend its credit to any person or corporation. ~Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S. Ct 1024, 176 US 682, 44 LED 637. A bank is not the holder in due course upon merely crediting the depositors account. Bankers Trust v. Nagler, 229 NYS 2d 142, 143. o That, the Federal Reserve Bank in its booklet ; MODERN MONEY MECHANICS page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries. o That the giving a ( Federal Reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158. o That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894. o That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. o That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See Blachshear Mfg. Co. v Harrell, 2 S.E. 2d 766. o Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ) o In light of the holding of Fidelity Bank Guarantee vs. Henwood, 307 U.S. 847 ( 1939 ), take notice of ... As of XX/XX/XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument. o U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender... o ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) o That because of failure of a lawful consideration the Note and Mortgage are null and void See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, case # 19144 ( 1968 ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being stopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '. Your Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in 1933 and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501. Any dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing EFT 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant Has Claimed, Maintain, And Have At All Times Has Retained Her Constitutionally Secured Rights Especially, But Not Limited To, All Aspects Of This Instant Matter ; Brady V. U.S., 397 U.S. , 742 At 748 . Waivers Of Constitutional Rights Must Not Only Be Done Voluntarily, They Must Be Knowingly Intelligent Acts Done With Sufficient Awareness Of The Relevant Circumstances And Consequences. Thank you for your prompt handling of my request. Sincerely, XXXX XXXX
09/26/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 32205	Web
XX/XX/XXXX : Contacted Vystar and started an application with XXXX XXXX, an inquiry was also made on my credit. XX/XX/XXXX began providing documents to XXXX as well as upload to portal as it became apparent certain files were to large to send via email. XX/XX/XXXX : Was the last non automated email received from XXXX ; this was also the date I received notification that my loan had been conditionally approved and informed that my XXXX XXXX was XXXX XXXX XXXX. XX/XX/XXXX XXXX : XXXX and I were in frequent contact as she gathered documentation everything seem to be going well. During this time I also paid for an appraisal and had flood insurance set up. XXXX advised early in the process that she was going to be on vacation at the end of XXXX, so we worked with that deadline in mind and ensure all requests had been completed ; I was also told that XXXX XXXX was the contact in her absence. When XXXX went on vacation, I got a request notification stating that there was a message in the Vystar portal ; I went to review the request but they were asking for additional documents. I reached out to XXXX via email to see if he knew why I was being contacted for additional information ; no response. I expected to hear from XXXX within a couple of days with a closing date ; when I didn't hear back, I called and emailed. After making several calls I eventually received a call from XXXX who said she wasn't able to tell me much but, that the person handling it should be in contact with me. By now I was totally fed up with what was going on, had it not been so late in the process I would have made other decisions, I also kept giving Vystar the benefit of the doubt, I think they would have dragged this out so far to decline me at this point. At this stage not only had I wasted my time but money too. My credit had been pulled 3 months prior by Vystar ( going elsewhere would mean yet another inquiry ), I had paid for a Vystar approved Appraiser and made other financial commitments as I didn't see a reason, I would not get the loan with Vystar. XX/XX/XXXX ( or thereabouts ), I received a call from XXXX stating that I had left her a message to call me, I explained that I had left several messages over a week ago but never heard from her ; as I had her on the phone, I wanted a status on my loan. She advised that the reason I had been denied was because the property was a townhouse and Vystar does not do loans on townhouses. At this time, I let her know that this was the first I had heard that I had been denied. I did not receive any communication written or verbal. In fact, all I kept receiving was requests via the portal for additional documentation. She apologized and explained that they don't always know certain things about the property. I am having a difficult time in just accepting this " matter of fact '' attitude from Vystar. I was denied on the basis of information that was available from the very beginning of the loan application. Asking the customer or conducting a simple XXXX search could have disclosed the property was a townhouse ; and would have allowed me to go elsewhere and if necessary, use one of my other properties. I need to make it clear that it is not getting denied that is bothering me, it's the backward way in which the process is set up and everyone is just willing to go along with it instead of putting things in an order that makes sense and doesn't negatively affect customers. I don't believe this is the 1st time this has happened. At the time of my application the list of exclusions for this product should have been reviewed and the process would have ended there. The house didn't change from a detached home to a semi-detached townhouse property during the application. There are gaps in your process and it negatively impacts loan applicants. A number of your staff are non-responsive. During this process I found XXXX to be professional and responsive to emails or voicemails. XX/XX/XXXX I reached out to her to XXXX to let her know that I was disappointed with the way my application has been handled, she apologized and asked for the opportunity to reach out to her supervisor ; XXXX followed up 7 days later to find out if a member of management had been in contact, I told her they had not she again apologized. XX/XX/XXXX : I decided to make 1 more attempt with Vystar so I reached out via Chat and messaged with XXXX XXXX, a week later I received a call from XXXX XXXX who was very helpful and professional. She sent an email and within a short space of time I receive a call from XXXX XXXX ( I am not certain of his last name ). He apologized and said that he was looking at the notes and it shows that the property is a Townhouse and not zones residential, so it was denied. I told him how I had been impacted, my score affected, at a financial loss for an appraisal payment etc, and that it has all been handled poorly by Vystar and that only time had prevented me contacting the CFPB. I went on to tell him I felt that at the time of them becoming aware that the property didn't qualify one of their loan officers could have discussed alternatives. His response was that the process don't always allow them to know what's going on prior to an appraisal or land survey, that he looked at the file, there was nothing Vystar could do for me and with regard to me contacting the CFPB he can't tell me what to do that was up to me.
07/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL XXXXX	Web
Regarding : VyStar Credit Union Auto Loan To Whom It May Concern : We are submitting, for your review, the details of our complaint regarding the below described business practice. Request an exam be opened to review, including review of the call recorded by VyStar with their customer service representative and the information that they provided. We purchased a vehicle, which was financed by VyStar with a funding date of XX/XX/XXXX, and made regular payments for the first several months after the loan was opened. On XX/XX/XXXX, we made a {$45000.00} payment to pay the loan ahead. VyStars online banking provided the ability to select if payment made was for regular payments or for principal reduction, and regular was selected for this payment. Then, on XX/XX/XXXX, we made a {$4000.00} payment designated upon submission as a Principal Only payment followed by another Principal Only payment of {$460.00} on XX/XX/XXXX. After making those payments, every time that we logged into VyStar Credit Union online banking ( approx. 1-3 times any given week ) it showed that we had a {$0.00} payment due for this loan, which we expected after having made such a substantial payment to pay the loan ahead. By happenstance, a screen shot of the online banking site showing the {$0.00} payment due was captured on XX/XX/XXXX due to key mis-stroke, which will be included with this complaint submission. On XX/XX/XXXX, we started receiving credit monitoring alerts that our auto loan with VyStar Credit Union was marked as past due although it had shown for over 3 months that payment of {$0.00} was due in online banking. Upon accessing the VyStar online banking site, we saw that our vehicle loan was no longer displayed at all, preventing us from viewing the history or transactions on the loan. I ( XXXX XXXX called VyStar customer service at XXXX at XXXX XXXX on XX/XX/XXXX and, after a very lengthy hold, spoke with a representative for a total call duration of 57 minutes. I inquired what happened and requested that the past due status reported to the credit bureaus be reversed since we made a payment of {$45000.00} on XX/XX/XXXX to pay the loan ahead. I also advised the representative that every time I accessed online banking throughout the months of XXXX, XXXX, and XXXX that it always showed that I had a payment due of {$0.00}. Representative stated that their online banking system shows a {$0.00} payment due when the loan is due for payoff and that I was supposed to know ( proactively, without them informing me ) to call them or go into a branch location to obtain a final payoff since the {$0.00} payment due indicated in online banking was incorrect. The VyStar representative stated that there was nothing that she could do since the loan was now in closed status in their loan system but that she understood the issue with it showing {$0.00} payment due online, even referring to the scenario and a highly unusual circumstance. The representative advised that, due to the unusual situation, I would receive a call back from a supervisor later that day or on the following day. I explicitly asked the representative if I would actually get a call back since I have had instances with other companies ( particularly XXXX XXXX and XXXX XXXX ) in the past that promised callbacks and never followed through. I was strongly assured by the representative that I would get a call back and that she was additionally putting an event on her calendar to follow-up and make sure that I received a call back. As of todays date, I have never received a call back, follow-up email, letter, text, or other communication of any kind from VyStar regarding this issue. I opened up disputes for the reportedly late payments with 2 of the credit reporting bureaus, both of which VyStar responded to the respective bureau stating that the late payment was accurate. Since VyStar reported the loan as paid late, our credit scores have dropped by approximately 70 points with 2 of the credit bureaus and XXXX points with the 3rd. Before this took place, our scores with each bureau were over 800 points and considered by the bureaus to be Excellent. Now, our scores have fallen out of Excellent standing, down through Very Good, into Good status ( lower 700s ) with the bureaus. This adversely impacts our credit rating for any lending products that we apply for, subjecting us to less favorable and more costly interest rates for many years to come. In summary, VyStar Credit Union provided online banking that 1 ) allowed us to indicate whether payments made should be applied as regular payments or principal only, and 2 ) consistently showed that we had a payment due of {$0.00}. Due to the belief that the payments were applied as directed and that there was indeed a {$0.00} payment due, as expected and indicated by online banking, coupled with the fact that we were never contacted by VyStar Credit Union in any way to indicate that there was an issue, there was no reasonable way for us to be able to avoid this snare. Thank you for your assistance with this matter.
05/18/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 322XX	Web	Servicemember
I have been a member of VyStar Credit Union for over 30 years and am extremely disappointed in the lack of knowledge they have regarding consumer rights pertaining to Reg E disputes. On XX/XX/2023 I was a victim of an online scam that resulted in a total of {$2000.00} being taken out of my checking account via XXXX XXXX. On XX/XX/2023 I contacted VyStar 's member service team to close the account and report the fraud that took place. Upon calling the transaction for {$1000.00} was posted to the account while the other for {$1.00} was still pending. I advised the rep that I was a victim of an online scam and needed to dispute the posted transaction of {$1000.00} and place a hold on my checking account to prevent any more fraudulent withdrawals. I was advised the account was locked from having withdrawals but could still receive deposits and that BOTH transactions had been disputed. Knowing that one of them was still pending, I asked if she was sure she was able to dispute both of them and she confirmed she did. On XX/XX/2023 I went into a physical branch, opened a new checking account and obtained a new debit card. I was advised by the member service rep that there were no notes in the account regarding the phone call I made the day before. She also confirmed that the pending transaction for {$1000.00} was in fact NOT disputed because it wasn't posted to the account yet ( just as I had assumed ). On XX/XX/2023 once the transaction for {$1000.00} was posted, I called member services again to dispute it. The phone rep was persistent on entering the claim as if I received good or merchandise from the transaction in which I didn't. This was strictly a financial transaction. Although I questioned the accuracy of the claim, she proceeded and entered it anyway. Also, on XX/XX/2023, I emailed XXXX XXXX who was handling the dispute, my written confirmation and proof this was a scam, well within the required 10 business day timeframe for BOTH disputes that were verbally initiated. On XX/XX/2023 I received a provisional credit in the amount of {$1000.00} for the first disputed transaction. I called Card Services to inquire as to why only received a provisional credit for one of the transactions, I was advised the claim was input incorrectly and there was nothing I could do other than to allow the investigation to take place until completed. On XX/XX/2023 I was mailed a letter for both disputes saying that they were denied due to the transaction being a P2P ( person to person ) and the provisional credit of {$1000.00} would be deducted from my account on XX/XX/2023 ( ONE day after physically receiving the mailed letter )! I know P2P transfers are covered under Reg E so I called XXXX XXXX to speak with someone about providing clarification if needed and also asked to speak with the supervisor XXXX who denied both claims. I was told by two different supervisors, XXXX and XXXX, that XXXX doesn't speak with members via transfer, can't call member back, and doesn't have an email to relay a request for a callback. I was also told that I wasn't able to appeal this decision. Since when?! A consumer ALWAYS has a right to appeal the dispute decision! XXXX XXXX then directed me to XXXX XXXX where I spoke to Supervisor, XXXX, who also cared nothing about what I was claiming, didn't take into consideration at all that the disputes weren't correctly input when I made the verbal claim and prevented me from receiving both provisional credits, and acted too tired to look into my concerns. In the meantime I'm out of {$2000.00} due to an online Ponzi scheme and my credit union won't even protect me and my funds under my consumer rights. Violations in the dispute process : - Initiated incorrectly via verbal claim w call center - Denied Provisional Credit even though a written confirmation was submitted within 10 business days - Claim denied based on being a " person to person transaction '', which IS covered by Reg E - Was not advised as required in 11 ( d ) ( 2 ) ( ii ), and upon the reversal of a provisional credit, that " the institution will honor checks, drafts, or similar instruments payable to third parties and preauthorized transfers from the consumer 's account ( without charge to the consumer as a result of an overdraft ) for five business days after the notification. The institution shall honor items as specified in the notice, but need honor only items that it would have paid if the provisionally credited funds had not been debited. '' - Denied the right to documents used to reach the resolution of their denial - Denied the right to appeal the decision made Based on the negligence to comply with the above requirements, I qualify for a reassertion of error and demand a full and permanent credit of the total disputed amount of {$2000.00}.
07/29/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 32244	Web	Older American
Vystar Case Elder Abuse Police report number XXXX XX/XX/XXXX Theft I entered Vystar Credit Union located at XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX with {$1800.00} in cash that I took from my safe from my home at XXXX XXXX XXXX XXXX, Fl XXXX. I gave the teller {$1800.00} in cash to teller and told her I wanted to make a deposit. I advised her I couldn't see to read the deposit slip due to not have my glasses. I said I could go back to the car to get them. She said she could fill it out for me and proceeded to fill out the deposit slip and took the {$1800.00} cash. I instructed her to give me a cashier 's check for {$1300.00} to pay my property taxes, and to deposit the remainder in my checking account. I did not verify the deposit slip I signed when she filled out the slip and I didn't verify the amount of the cashier check. I did not have my glasses. I trusted the teller completed the transaction as I instructed. I took the cashier 's check to the Tax collector to pay my property taxes. I was told the amount was of the check was {$700.00} and insufficient to pay my taxes and that they do not accept partial payments.. I realized at that moment there was an error, so I returned to Vystar to the teller that assisted me. I informed her the amount of the cashier 's check was incorrect and was not the amount I requested to pay my taxes.. The teller denied I made an {$1800.00} cash deposit and insisted that it was only {$700.00} because I signed the deposit slip she filled out on my behalf.. I deposited the {$700.00} and added {$680.00} to get another cashier 's check to pay my taxes due. I raised my concern with the Bank Manager and requested they review the video tape of the transaction and the Manager also stated that I signed the deposit slip indicating {$700.00}, so it was not necessary to review the tape. I told the teller that she knew I gave her {$1800.00} cash to deposit and she took the $ XXXX left the bank and returned another day with a friend XXXX XXXX XXXX We approached the teller and I questioned her again about that day she filled out my deposit slip. I asked the Bank Manager to review the video again. She said there was no need because I signed the deposit slip for {$700.00}. I said to the teller " Girl you know you took that money ''. The Manager said I should not be threatening her, and I signed the deposit slip for {$700.00}. I asked if they have cameras of the tellers. The manager said they have cameras everywhere, but still refused my request to simply review the video of the teller for XX/XX/XXXX when I gave her {$1800.00} cash. I returned to the bank on 3 separate occasions asking for the tape to be reviewed to determine if I made an error or if the teller mishandled my {$1800.00} cash deposit. I received the same response from the Bank employees each time. Vystar refused to review the tape of the transaction on XXXX My daughter instructed me to call the police to report the theft and Elder Abuse after receiving no investigation from Vystar for over 5 months.. On Thursday XX/XX/XXXX My daughter XXXX XXXX called XXXX on my behalf to report the theft and Elder abuse at Vystar located at XXXX XXXX XXXX, XXXX, FL XXXX Officer XXXX XXXX completed a XXXX report and questioned me regarding the incident on Wednesday XX/XX/XXXX. We remained outside in my vehicle. XXXX XXXX entered the bank to investigate my complaint. Minutes later Officer XXXX returned and stated that the Bank employee wanted to speak to me. My daughter XXXX XXXX and I entered Vystar with Officer XXXX and met with bank employee XXXX XXXX, Senior Relationship Specialist. I told XXXX XXXX what transpired on Wednesday XX/XX/XXXX and told her I returned on 3 separate occasions to get some resolution. I was told over and over again that I signed the deposit slip for {$700.00} and there was no need to review the video. XXXX XXXX stated that the bank would not have a record of the missing funds and asked if I am challenging the integrity on the teller. I replied that I am challenging her mishandling of my deposit. XXXX XXXX stated I would need to produce the transaction slip for that day. My daughter asked if there system would have the statement for XXXX review the deposit. She stated there records only go back 90 days. XXXX XXXX asked that I bring my statement back documenting the {$700.00} deposit. She stated her Manager would review the video and she will call me with the results. XXXX XXXX said the police could not review the video and it would require a Subpoena. I asked when to expect a call, and she stated she's not sure, because the Manager was on vacation.. As of Friday XX/XX/XXXX, I still have not received a response from the Vystar Manager of the results from reviewing the video of the transaction on XX/XX/XXXX.
07/30/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32218	Web
My name is XXXX XXXX. I am doing a complaint against Vystar Credit Union due to several breaches of my privacy as a bank consumer over the last 5 years. I called Vystar on XX/XX/2022 to ask to add a bank over draft feature and I was told it was active and I could use the feature and pay a {$39.00} charge on my next deposit date. There was severe interference in my call as I spoke to Vystar customer service as if my personal banking call was being monitored heavily. I informed the rep that I had to walk a hour to the ATM and back. She said the feature was active on my account and I could use it. That was not the case as I walked over 4 miles to get to the bank being XXXX by the local police XXXX who used to sit inside my bank right behind the information desk as the Bank representatives used to ask for my bank information. Eavesdropping of my personal information and I have endured invasion of my privacy, and tampering with my private financial bank information and transactions. Not only was I not able to withdraw any funds with the bank overdraft protection feature that I was told was active before walking a hour to my bank, but also my pin to my ATM card that I have used now for over 4 years was tampered with and not working. I had no choice to go inside the bank 's lobby and there I was put in jeopardy with being around people not wearing facemasks, but I was XXXX, XXXX and XXXX by local police following me and recording me while in my bank. I asked the guy who pretended to be a customer to stop recording me with his mobile phone and he XXXX me out. I asked for a manager and was ignored for about 30 minutes. I finally made it to a teller and was for no reason asked to take off my facemasks putting me in jeoperdy even more. I asked why do I need to take off my facemask, and I was told to identify my face. Yet, still got no help and was sent to seat in a separate area where the manager finally came. She reset th pin but did not explain why I had to when I was using my correct credentials. She then told me that I was not able to use the Bank Overdraft Feature because it takes up to 24-48 hours to activate on my account, but she do see where it was added. I said, that is not what I was told by customer service before I had to walk a hour here. I also informed her that one of her customer 's was XXXX and XXXX me by recording my on his cell phone and when I asked him not to, he called me XXXX and XXXX me. When I spoke up for myself against his verbal assaults I was treated as if I was the problem. No one should be recording me without my consent. It's XXXX. No one should tamper with my pin to my account I've used for over 4 years now. It's not the first time Vystar intentionally created problems for me as a customer that made situations worse for me and not better. It was invasive and unnecessary to ask me to take off my facemask when no help was even provided and I already had verified my member ID and provided my Driver 's Licenses at the help desk prior who told me to go to the teller where I was XXXX in line while made to wait around people who had no masks, no did the bank reinforce it. The manager herself and the workers weren't even wearing masks. It was a problem created for no reason to make me go inside and wait and be XXXX and XXXX as my financial information was tampered with without any explanation on why I had to even change my pin when I used the correct one. The I did not get the assistance I was told I had or could use with my bank overdraft protection. I had to walk back home in the heat after being exposed by all those people in the bank when I had no intentions on going inside being around people not wearing masks. I asked the manager to do a complaint, she lied saying she wrote it down, and nothing was done about the inconvenience caused for me today or tampering with my bank information. because they are doing it internally. It's not the first time my privacy has been violated with the tampering of my bank information and being XXXX and XXXX at my bank and for no reason other than retaliatory and malice from the bank itself for me doing prior complaints against them for poor customer service and tampering with my bank info. I did complaints against XXXX for XXXX XXXX and invasion out of malice and retaliatory reasons because I did complaints against them eaves dropping as I went in to my bank prior to the pandemic and had to give my member ID and discuss my personal bank info in front of strangers including the XXXX police. No bank should openly in front of other customers as their customers for their private bank information. But Vystar does it all the time and despite me asking them to change that practice over the last now 5 years.
12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32225	Web
On my credit reports, regarding a VyStarCU loan it shows as, " Closed ; was 60 days past due date< '' I spoke with Vystar and confirmed there was 0 % indication of a past due balance on my end ( it just said no payment due ) & 0 % way to take further action to resolve any unknown issues. After my checking was frozen this was discovered when I called in, and I eagerly satisfied the small amount that was remaining from " loan discharge ''. The web and mobile interface presented errors when trying to satisfy this, and demonstrated that this appeared to be a technical issue due to error messages when I tried to pay it. It was not reflective of a high-priority need for the customer to proactively take action and call in, at the risk of credit destruction ( my current situation ). When speaking with Vystar on XX/XX/XXXX to " close out '' the loan the representative confirmed I was 100 % good to go, there was and would be absolutely no negative credit report. I left my feedback that it was inconvenient/ unusual that it froze my whole account and wouldn't give any sort of customer-facing assistance or message a reasonable user would be able to parse that there was this type of threat due to an apparent technical problem. The website and app are riddled with such failures, and have been for years. I expressed I was otherwise satisfied with the gentleman 's help, and considered the issue 100 % resolved with satisfaction on XX/XX/XXXX. Fast forward to present : my credit report was hit by over XXXX points when Vystar broke the expectations set and did leave a deleterious remark regarding the perfect payment history. This was highly deceptive. I spoke with Vystar on XX/XX/XXXX and gained agreement that this was not the resolution I expected, and that I was disputing any negative remarks on the credit report as these do not reflect reality. The XXXX on XX/XX/XXXX was very kind and professional, although all I know is he would escalate this for review to a special team. I'd like to lock in a fair resolution, the one that was promised, with haste. Again highly deceptive, as there was 0 % indication of a " past due '' balance and means of resolution on any customer-facing space. The representative said that " it said to call in '' - and I would add that an error message about calling in about a loan that headlines with " {$0.00} minimum due! '' intermixed with tons of error messages is not a satisfactory or appropriate interface for a financial product. I have resolved the account, the account is closed, and I request the negative remarks about " past due '' - both inaccurate and extremely harmful - be removed immediately as next steps in making the situation correct. Actionable feedback ideas for the Vystar & team : - Include a simple message like, " ALERT : Call us. '' Mixed messaging financial jargon and literal code ( errors ) spilling on the screens of iPhones and computers doesn't pass the reasonability test for what a consumer must seemingly due at the end of a loan, right? -Make the call to the customer. Send an email. Leave a voicemail. Tell them what's going on specifically before the card is locked and their credit is tanked, if the web interface lacks the ability to intelligibly alert the reasonable consumer as to the risk of not self-solving Vystars communication deficiencies. -Resolve the ubiquitous error messages and glitches in the web interface and mobile apps. This has been a staple of the experience since the " new app '' transition incident a few years ago, where customers were unable to mobile bank for over a week. -Include logic that removes the high deceptive " {$0.00} minimum due '' alert if someone is in a status where they must (? ) call in, but don't know to do so. Seeing alerts about no minimum payment due implies what? It implies all 's well, all 's in good standing- to a reasonable consumer. If it's not all well, or there's a risk it will not, we need a good faith alert regarding this in an appropriate interface or communication. Not a " front and center '' red herring " good standing '' indicator that suggests no risk, while Vystar is prepping to freeze their checking accounts and erroneously report them to credit bureaus. - Upskill agents on setting appropriate customer expectations about credit reporting. There was a major breakdown here when incorrect information was provided by Vystar that was false on XX/XX/XXXX.
05/05/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 320XX	Web
On XX/XX/XXXX - I traveled to XXXX from XXXX XXXX to pick up my younger cousins ( ages XXXX & XXXX ). I then stopped at a XXXX to pick up snacks for them and went home. That was the last time I had to use my wallet to pay for items. On XX/XX/XXXX - I traveled back to XXXX to drop them off at home. I had my purse with me, but I did not need to purchase anything with a physical card. I assumed my wallet was still in my purse. On XX/XX/XXXX - I received a text from Vystar Credit Union 's fraud department asking me if I made a charge of {$62.00} and to respond " Yes '' or " No ''. I immediately called Vystar to find out what was happening since I did not attempt to make that charge. I also logged into my Vystar account and found that there were several other charges I did not make as well. The person on the phone asked me if I had my card with me and I initially said yes, but let me double check and I walked over to my purse while I was on the phone with them and then told the representative ... wait a minute I do not have my wallet with me... someone stole it. The representative was made aware while I was on the phone with them that although I thought I had my wallet, that I in fact did not have my wallet and they filed a dispute for me. On XX/XX/XXXX - After I discovered I was not in possession of my wallet, I had to cancel all of my credit cards and order a new driver 's license. On XX/XX/XXXX - I called Vystar to follow-up on the dispute because I only saw one temporary credit to my account. I was told that the reason was that some companies take longer to get back to them. On XX/XX/XXXX - I called Vystar again and they said that they did not have any more information in regards to my dispute and it can take up to 10 business days for the results. On XX/XX/XXXX - I checked the mail and received two letters from Vystar. One indicated they temporarily credited my account for ~ {$42.00} and the other said they declined my dispute. I called them and the person said they would re-open the dispute. On XX/XX/XXXX - I filed a police report indicating that someone stole my wallet and used my Vystar debit card fraudulently on XX/XX/XXXX. Case in attachment. On XX/XX/XXXX - I called Vystar again to ask about the status and to provide them with the police report number. The representative indicated that no one re-opened the dispute and that the rest of the disputes would be declined as well because a person put in their system that I said I had my wallet in possession with me. I told her that I initially said that I had my wallet to the rep and told the rep to hold on while I verified and when I looked in my purse, my wallet was gone. I told the rep on the phone that I in fact do not have my wallet and it was the first time I realized it was not in my possession. It was made clear that I initially thought I had my wallet until I checked with them on the phone and then I said wait someone stole my wallet. If they review their recording of the call, they will hear me tell the rep after I checked my purse, " no I do not have my wallet '' ... '' someone stole it ''. I provided Vystar with the police report case number and again they said they would re-open the case, however, I do not have confidence in this statement since this is what they told me before and it didn't happen. I told them that if they need receipts showing I had to order all new cards and a receipt from my having to purchase a new driver 's license let me know. Of note, Vystar 's Fraud Department alerted me of the fraud so their systems even flagged these charges as suspicious fraudulent behavior. Vystar is treating me like I am the criminal ( which is not the case ) and is making an already traumatic event worse. They are definitely not about putting their customer first and having a good member experience. I need Vystar to reimbursement for the fraudulent activity that occurred on XX/XX/XXXX.
12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	AZ 85750	Web
While traveling abroad in XX/XX/XXXX, I had lost my wallet that contained my Drivers License, Health Insurance Card, XXXX Credit Card, my VyStar Credit Union Credit Card, XXXX XXXX XXXX XXXX, and XXXX XXXX Dollars in XXXX Dollar Notes. The last time I saw my wallet was on XX/XX/XXXX when I place in in my backpack while at XXXX XXXX XXXX during my layover at XXXX XXXX XXXX. I then traveled to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After utilizing my XXXX XXXX ( Lounge Access via Mobile App ) during a long layover of around XXXX XXXX I then traveled to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX early morning XX/XX/XXXX. Again, I utilized my XXXX XXXX for lounge access. After about a 4 hour layover, I then flew to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I arrived to meet my best friend, XXXX, around XXXX. Our purpose of visiting XXXX, XXXX, was to attend our friend 's wedding. After the weekend wedding, I said my fair well to XXXX, I had to get to XXXX XXXX XXXX the following morning. On XX/XX/XXXX while at the airport, I was asked for my passport by the XXXX XXXX XXXX XXXX to get fully checked in and to check my baggage in. I traveled to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and arrived around XXXX. I used my XXXX XXXX for lounge access as I had almost a 5 hour layover. I then traveled to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I again used my XXXX XXXX for lounge access where I met with my friend XXXX. After our long layover, we traveled to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon arrival, we went to collect our checked baggage. After collecting our bags, we went to the currency exchange office. I went to look for my wallet for my cash to exchange {$100.00} and could not find it. I was frantic and tried to think where I had last placed it. Luckily, XXXX offered to exchange some of her cash so I had some pocket money. We took a taxi to our XXXX and XXXX happily offered to cover the cost knowing the situation. After meeting our host and checking into the XXXX, I immediately thought about the bank cards and tried making calls to report them lost but the calls would ring once a drop due to the very weak cellular reception. XXXX advised I connect to WIFI and try logging into the mobile banking apps and see if I could at least block/lock the cards. I did block/lock the bank cards and attempted to report the cards lost via the mobile app. XXXX and I both contacted XXXX to see if she could help make sure I at least had cash during my travels to XXXX, XXXX and also for my travels to XXXX, XXXX as I was not going to be back in the United States until XX/XX/XXXX. So while on my Chase mobile banking app, I processed a XXXX transfer of XXXX XXXX XXXX so she could XXXX XXXX the cash to me. XXXX then advised that I file a police report. Not being able to do so in XXXX, she said to maybe try filing a police report online. When trying to access and report everything the XXXX website, the page would take forever to load and eventually time out. We then agreed to filed when I returned to the United States. When I returned to the United States, I called VyStar Credit Union to let them know what happened and as to why I didn't call until second week XXXX. Explained that I blocked my card using the mobile app and that I could not make calls as I did not have cellular reception while abroad. After a couple month of waiting for a resolution and no correspondence via mail, email, or phone call, I call the VyStar for an update. VyStar claims to have done an investigation and is holding me accountable for a little over XXXX USD even after explaining to the fraud investigation team that I was either on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the airport lounge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	FL 32034	Web	Servicemember
During the outage with VystaXXXX bank from XXXX through late XXXX of 2022 I missed a payment because I didnt know how or what to pay to my credit card company. I couldnt get a hold of them. I couldnt use my mobile banking and I was unable to get into a branch. My only close friends and family couldnt not help because they were all quarantined and or sick with XXXX. The bank was offline for over 30 days and I couldnt pay my credit card bill the only way I knew how which is online. Now that I have missed a payment vystar marred my credit history with my first delinquent account and tanked my score by over XXXX points. I have never missed a payment with any of my bills. Having a excellent credit card history is something I pride myself in. Its important to me and my family and makes my life and my job easier. It is essential to a life as I know it. Its why I work very hard to make sure to be responsible with my money and bills. I have no delinquent accounts until now when vystar was down. I was unable to make my XXXX monthly payment. And almost couldnt make a payment in XXXX because of errors and delays in their banking system. The bank was out for over 30 days while continuing to make members believe that the online banking system would be up any day. I am not the only member to get this result even though it was the fault of vystar that we could not make payments. Since covid happened I can only bank online. I am XXXX. I regularly have to take care of grandparents that are also XXXX and unable to get vaccinated. Because of this I had to change my job and only work from home. I have had to change all of my normal routines and happens to accommodate this new health crisis that is putting myself and my family at risk. I can no longer bank in person. Were this pre-covid I could have made a payment no problem but given the state of the virus I can not risk exposing myself or my family. I live in a state that does not require social distancing or mask and no one takes it seriously. I lost my grandfather due to this. My grandparents were my parents and now that they are old and unable to be vaccinated I have to be very careful to not get them sick. My grandfather passed this XXXX due to covid and I now only have my grandmother left. She also can not be vaccinated. One slip up and I could loose the only parent I have left. I rely on vystar as my banking institution to provide a safe and reasonable form or payment and banking. It is their one duty to us customers. However, because I could not reasonably get into a branch or connect with an agent to make a payment I missed my XX/XX/2022 payment. Its the one and only time Ive ever missed a payment in all of my credit history as an adult. I tried to call and talk to vystar and explain the situation but they refuse to remove the delinquency even though I feel like it was essential their doing. If the banking system had performed as intended I wouldnt have missed a payment. The only late payment in 14 years of my adult life. Now my credit has dropped over XXXX points because of this and vystar who wrote off tons of peoples overdraft fees and waived other items due to their mistake refused to adjust my score. Im so upset. I waited on hold for hours. I waiting in line as over XXXX people tried to access their website only to repeatedly give me an error message and say I couldnt connect. I set up my magic touch and did whatever I could to connect but during this time I repeatedly ran into errors. During this time that the bank failed to provide a safe and reliable route for paying the bills I dont feel as if I should have my credit history permanently marred for a single missed payment. I have a history of paying on time. This one XXXX accident and mistake caused by the institution should not hinder my credit history.
06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77380	Web
On XX/XX/2022, I received an email from XXXX that Vystar CU had reported " NOT MORE THAN TWO MONTHS PAST DUE ''. I immediately logged into my XXXX account and discovered immediately before this posting that had also reported " NOT MORE THAN 1 PAYMENT PAST DUE '' on the same date. ( Attachment 1 & 2 ) Since this account was paid off in XX/XX/2022, and has reflected a balance of zero due since I called Vystar to inquire. The representative advised the online Vystar pay system does not allow the consumer to complete a pay-off directly on their website, you must call and speak to a rep for an accurate payoff amount. I pay my other monthly Vystar credit card bills online through Vystar and when I log in biweekly, this account has always reflected a balance of XXXX dollars due ( Attachment 3 ). I did not even realize this account had anything due on it until I received an email from XXXX that Vystar reported the account 1 month and 2 months past due on the same reporting day. The representative advised that I owed {$10.00} in loan interest and immediately transferred funds from my account to pay the interest and make the loan paid in full. I asked him why I never received a statement online or via postal mail that I was behind XXXX month on my payment. He stated Vystar has 2 systems that are supposed to talk to each other, but they do not. He further stated Vystar is aware of this issue, and they are in the process of updating their systems. He commented that I most likely did not receive a notice I was late due to the one system recognizing the account had been paid in full in XXXX, but the other system reported I was delinquent. The representative stated Vystar is very aware they have issues with consumers thinking they are paying off their debt via online when in fact they aren't. He further stated, there was currently no mechanism in place to protect the consumer. Again, Vystar was aware this was an ongoing issue for their banking customers. I asked him why if interest accrued would it not reflect on my home page with a balance instead of reflecting a XXXX dollar amount, especially since their system did not allow for a consumer to pay of a loan online, wouldn't the system think there was/is a balance and reflect as such. He again stated Vystar is aware they have an issue and this is one of the many reasons they were upgrading their website. He also acknowledged that Vystar has my accurate mailing address on file and could not explain why I was not receiving paper statements. On XX/XX/2022, I filed a dispute with all 3 credit bureaus and on XX/XX/2022, I was advised Vystar denied the request to remove the reporting 's. On XX/XX/2022, I called and spoke with a Vystar representative to file an appeal. The Vystar representative took all the information and advised they would reply within 7-10 days. On XX/XX/2022, the same representative called to say the finding will remain. She stated Vystar mailed statements to the address on file of this account. I advised her this was inaccurate and requested they send documentation of this statement being mailed or emailed to me. I stated the only written statement I receive through the postal service is for my childs account ending in XXXX and my credit card ending in XXXX. I advised her this was inaccurate and I was requesting Vystar to provide me proof of a statement for account ending in XXXX either being mailed via postal service or email reflecting I had a balance of {$10.00}. She stated she would submit the request and I would be provided a response in 7 days. As of today, XX/XX/2022, I have received no response.
11/22/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	WA 98033	Web
On XX/XX/XXXX ( or earlier ), I tried logging into my Vystar online banking account and found my account had been XXXX. On Saturday XX/XX/XXXX, I called the Vystar customer support and was told that it had been XXXX due to fraud detection and the team handling this would not be available until Monday. On XX/XX/XXXX, I called again and was told I needed to provide a phone bill, a picture of an ID, and a selfie with me holding my ID to unlock my account and that it had been flagged for fraud due to removing a phone number ( which I no longer had access to and had to remove due to a separate issue where I was applying for an auto loan and their online system would only allow me to send a XXXX text to this phone number and not my other phone number on file ) and editing my email address ( which, along with the phone change, I had to do by calling support and providing both a pre-registered verbal code word and responding to a text-based XXXX challenge due to their online system no longer allowing phone or email changes -- I was not challenged for fraud at the time of making these changes ). I escalated the issue as my phone service is provided via XXXX XXXX which does not have a " phone bill '' in the traditional sense. I was told by a support XXXX named XXXX that I would only be required to submit the ID and selfie but that a screenshot showing my name and phone number would help. Within XXXX minutes of this call, I submitted the required documents. I called again on XX/XX/XXXX and XXXX noted that she had reached out to the fraud department and they were actively working on my case but could not provide an XXXX for resolution. It is now XX/XX/XXXX and I still do not have access to my account, XXXX full business days after the previous call. As a result, I can not access my online account to move money, pay bills, or pay off my credit cards ( potentially resulting in either missed payments impacting my credit or interest, though I can't check to know ). I've also been forced to spend multiple hours, during my working day, on the phone with Vystar due to long hold times. Beyond the damages Vystar is causing to me, I believe that : XXXX. The response timeline is outrageous. Verifying a set of pictures should not take multiple business days and consumers being unable to access their account and funds for days is unacceptable, regardless of the reasons. XXXX. Their fraud rules are unreasonable in this case. For XXXX, they did not kick in when I was making changes, a reasonable time to require further verification, but rather multiple days later. Second, they kicked in after only XXXX changes to my account, which I was required to make over the phone and authenticate, and only XXXX of which actually changed an existing field ( while the other removed XXXX of XXXX long-term phone numbers ). Third, to " verify '' my phone number, they state they required a bill. However, if they are already verifying my identity, I should be able to self authorize my own use of whatever phone number I please once my identity is authenticated. Not to mention that in all of this ( XXXX ) I have continued to respond to XXXX requests to the phone number, showing I have access to it and ( XXXX ) I have had this phone number of file for over 10 years. These " fraud '' rules do not add security, merely anti-user headaches.
03/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 322XX	Web
This complaint is in regards to an auto loan through VyStar Credit Union for a used XXXX XXXX XXXX. The loan began XX/XX/XXXX and is under my mothers name. I started making payments towards the loan with my checking account, within the same bank, since midXXXX. The initial payments were {$550.00}, but got higher in interest from nonpayments in XXXX. Knowing a few months had been skipped from time to time, I knew some sort of late fee would be applied or the interest rate would be higher, so I made sure approximately how much I owed each month to better get back on track. I was later notified the monthly payment raised to roughly {$640.00}, so I started making payments of {$650.00} beginning XX/XX/XXXX. A few months had been skipped again because money was really tight on top of rent and non-employment, but we got back on track XX/XX/XXXX. Making payments of {$700.00} up until XXXX, with the payment of {$640.00} as shown, then resumed XX/XX/XXXX of {$700.00}, XXXX of {$650.00}, and XXXX of {$600.00}. Attached are brief images of payments in XX/XX/XXXX and XXXX to XXXX of XXXX. I am willing to provide more information if needed. It wasnt until XXXX of XXXX when we were trying to get a loan for a trade-in car that I was aware of the remaining balance of approximately {$20000.00}. Having built my credit since then, we went back to get an update on the balance to see if we could get a car now and for some odd reason the balance is still at approximately {$19000.00}. I was unable to find documentation of XXXX payment. Even so, with the payments I had been making beginning of this year, the loan shouldve lowered to around {$18000.00}. We addressed the bank at a local branch XX/XX/XXXX and XX/XX/XXXX and even with the first print-out they provided us from XX/XX/XXXX to XX/XX/XXXX, they attempted to say the total amount shown was the principal payment and the rest had gone to interest. However, the principal amount, interest amount, total amount, and any interest adjustment is already shown in the print-out. So they tried to come up with other excuses of late fees or extra interest occurred. I proceeded to argue no late fee is over {$50.00} each month and interest adjustments are applied as shown. Especially with proof of the payment amounts Ive been making compared to the total amounts in both print-outs, theres money missing and no one can explain where it went and kept insisting it went towards some interest that they have no evidence of. The due date of these loan payments occur on the XXXX of each month, but we make payments within the first week of each month to get it out of the way. Even with any interest charge from late payments, the interest is already applied within the payment and fluctuates each month as shown in the provided documents. Late fees are also shown for {$15.00} for 3 months on record in the span of 6 months and thats only {$45.00} in late fees. Not even close to the hundreds of dollars missing. Attached proof of payments are also labeled under different descriptions each month instead of transfer to loan XXXX is also suspicious. Although we only have evidence of missing money from payment amounts for 6 months back, who knows how long this has been going on for and we want our money back.
10/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 322XX	Web
Vystar violated the Equal Credit Opportunity Act by discriminating against me because of my the good faith exercise of my right under the Consumer Credit Protection Act. The actions below constituted aggravated identity theft by processing insurance underwriting without my permission. Collateral security of {$44000.00} for each transaction, totaled {$88000.00} plus interest that I did not receive. I didn't receive a loan, and I didn't authorize a transaction on XX/XX/XXXX. On XX/XX/XXXX I spoke to the representative XXXX and requested a draft to give to XXXX of XXXX XXXX for the vehicle listed on the Buyers Order. The representative used my account information and SSN to obtain a credit report from the XXXX XXXX XXXX called XXXX XXXX XXXX. On XX/XX/XXXX I was advised by XXXX that I didnt get approved because my XXXX XXXX was too low. I was not asked for a copy of my driver license and didnt sign anything because XXXX XXXX entering information in the computer. Then on XX/XX/XXXX, XXXX called my cellphone and asked me to call her. When I called XXXX back, she said she XXXX have a way to get me what I requested. She stated she needed me to send a copy of my driver license and to sign my name three times and faxed to her. Instead of faxing my driver license and signature, I drove to Vystar and gave the information in person. XXXX made a copy of my driver license and the XXXX signatures. She said she was speaking to someone and then told me that I was denied because of the low XXXX XXXX. While I in the office with XXXX, I received a notification on my cellphone alerting me that my SSN was used for hard pull on my credit report. I asked XXXX if she ran my XXXX again. She told me she didnt see a XXXX hard pull inquiry from XXXX XXXX XXXX stated that they tried to get me financed with XXXX XXXX who is in-house lender they use to try to get an approval when people have a low score. XXXX did not ask for my permission to use XXXX XXXX. XXXX did not get my permission to run my SSN a second time. Her actions are identity theft because she did not have my permission to use XXXX XXXX without my authorization XX/XX/XXXX. I did not input my own information and didnt sign an authorization or release of my SSN to be freely run as the representative did. I was not advised by XXXX that she was inputting my SSN with XXXX XXXX. I didnt authorize XXXX XXXX my SSN with a third party. XXXX checked the computer and advised that XXXX XXXX didnt approve my request because of the low XXXX XXXX. I was denied twice because of a credit store. I received a notice dated XX/XX/XXXX which stated, We obtained your credit score from the above referenced consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. On, XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX The letter stated they provide insurance to the financial institution to support its lending operations. They were provided information from the consumer reporting agency. The letter from XXXX XXXX XXXX confirms this third party was provided my SSN to run a credit report that I did not authorize. I am also aware that I did not request insurance from this third party.
11/30/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL XXXXX	Web
I/Me/Myself/Us/We/Ourselves, By : XXXX XXXX :, the undersigned affiant, a living woman declare that I am of majority and competent to state the matters set herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence. Breach Of Contract Vystar Credit Union violated A valid contract, they never followed the agreement of the contract for Performance by one party, and Damages suffered by the performing party. Fails to perform on time, Breach of Contract Vystar Credit Union is very unethical, they have harassed and threatened me. We have been trying to negotiate with Vystar Credit Union and they are willing to come to an agreement. The following corporations have knowingly participated in false and misleading practices and are not willing to rectify this matter. I was knowingly and falsely misled by not being given full disclosure of my rights as a consumer. I have started the administrative process by following all the rules and regulations set forth by Congress. I have sent out Affidavit notices to this corporation making them aware of the violations pursuant to 15 USC 1602, 12 CFR 1002.2, 12 CFR 1026.13 ( a ), 12 CFRb1026.17, 15 USC 44, Regulation B 12 CFR Subpart B, and 15 US CODE 1692 ( c ). I have spoken to them via phone and email as well as certified mail and they have yet to even acknowledge my attempts nor credit my account. I sent the first notice and remittance transfer on and many other notices of billing error. I will attach all the documents that were sent to this corporation below upon request as I have already sent them. They also have a Cease and Desist in place not to contract and they violationed. Fails to perform at all or fails to perform according to the terms of the agreement. There was a payment tendered on XX/XX/2023, and XX/XX/2023, for the full amount they are in receipt. Vystar Credit Union refuses to apply for the tender for the loan. Vystar Credit Union have locked all my accounts and dont have access to my online bank or to complete any transaction. There was a Breach of Contract. There were no Arbitration agreement proceedings before they stole my vehicle twice and on XX/XX/2023, at XXXX XXXX having the vessel/vehicle Repossessed by XXXX XXXX. They entered our private property gate with No Trespassing and Private Property Posted on Property which is {$5000.00} fine 15 U.S. Code 1825 - Violations and penalties. There were many private personal property items in the Vessel including medicine that must be taken on time we have not gotten back they are refusing to release all of them. Its one day before XXXX Holiday lack of human dignity. Vystar Breaching of Contract we were not provided with a Writ of Procession on private property and No notice was sent to notified. We are processing Arbitration proceedings now. In Addition, Breach of Contract has caused significant harm, loss, damages, mental and physical emotional undue stress for relief in the amount of {>= $1,000,000} dollar in lawful money.
10/10/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 321XX	Web
I noticed in or around XXXX strange emails I was receiving that appeared to be from unhappy people that had apparently order something but we're scammed. And my email & a XXXX account that was never activated were tied in. I notified XXXX, sent them copies of emails, discussed at length & was told it should be taken care of by XXXX. Then in XXXX, also this year I get a notification from my personal bank Vystar Credit union, the XXXX Florida branch. My husband & I opened both a personal account & a savings account jointly. We put I believe {$25.00} in the savings & very little in checking. It was going to be mostly for him to be able to cash checks he's paid by clients with & to try to save. We actually only made a couple small purchases through it, not deposit more money, we are broke. In the notification we we're being told this was our final notice of having over drawn considerably & needed to get it paid clear with in five days or loose account. I was shocked. And we got that it appeared to be several withdrawal within a couple days through the same XXXX account I never opened. I never requested a XXXX account, and so when I did receive a card from them have never activated it. I'll be cutting up all the cards now, XXXX & Vystar. After several unsuccessful attempts to reach the right department, ( Members Solutions Department ) was finally talking to someone, can't remember name or if I was told one, bank finally, rudely agreed to dismiss some of the fees but ot all. I felt I didn't owe. I said so. Told to pay ASAP. I called XXXX, assured they were taking care of investigation on account but would not cover the bank charges. I called the bank back told must pay. But also informed on second call to vystar that my debit & ATM card had been frozen for non use months earlier. Now I was not made aware of this before. And I said I was not happy because I was clearly scammed & they did not try to call me, or email, only received the one Finale notice. But quickly and rudly told " they were sure I'd be able to come up with the payment to them by the end of the month '', even after I clearly explained we were not doing good & are broke. " they should have caught this quick & notified me imidiatly. Instead I'm told to pay, doesn't matter if it was identity theft, pay. And I would have to wait six months, or something crazy, husband to, & have account in good standing, go to bank in person & ask to get my cards back, beg. This was absurd. I'm not interested in this bank that doesn't care about us. I would like to see them change the rules, policies, collections, & investigation process. Also I want this account closed with a letter of apology on how it was handled. And I believe my husband & I are both owed fair remedy amount from the bank for the inconvenience, poor handling, rudeness, & lack of care. I would say {$200.00} each. They can mail us each a check with the letters of apology.
08/23/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 322XX	Web
On XX/XX/XXXX I spoke to the representative XXXX and requested a draft to give to XXXX of XXXX XXXX for the vehicle listed on the Buyers Order. The representative used my account information and SSN to obtain a credit report from the credit reporting agency called XXXX XXXX XXXX. On XX/XX/XXXX I was advised by XXXX that I didnt get approved because my credit score was too low. I was not asked for a copy of my driver license and didnt sign anything because XXXX was entering information in the computer. Then on XX/XX/XXXX, XXXX called my cellphone and asked me to call her. When I called XXXX back, she said she may have a way to get me what I requested. She stated she needed me to send a copy of my driver license and to sign my name three times and faxed to her. Instead of faxing my driver license and signature, I drove to Vystar and gave the information in person. XXXX made a copy of my driver license and the three signatures. She said she was speaking to someone and then told me that I was denied because of the low credit score. While I in the office with XXXX, I received a notification on my cellphone alerting me that my SSN was used for hard pull on my credit report. I asked XXXX if she ran my SSN again. She told me she didnt see a 2nd hard pull inquiry from XXXX XXXX XXXX stated that they tried to get me financed with XXXX XXXX who is in-house lender they use to try to get an approval when people have a low score. XXXX did not ask for my permission to use XXXX XXXX XXXX did not get my permission to run my SSN a second time. Her actions are identity theft because she did not have my permission to use XXXX XXXX without my authorization XX/XX/XXXX. I did not input my own information and didnt sign an authorization or release of my SSN to be freely run as the representative did. I was not advised by XXXX that she was inputting my SSN with XXXX XXXX. I didnt authorize XXXX XXXX my SSN with a third party. XXXX checked the computer and advised that XXXX XXXXXXXX didnt approve my request because of the low credit score. I was denied twice because of a credit store. I received a notice dated XX/XX/XXXX which stated, We obtained your credit score from the above referenced consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. On, XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX The letter stated they provide insurance to the financial institution to support its lending operations. They were provided information from the consumer reporting agency. The letter from XXXX XXXX XXXX confirms this third party was provided my SSN to run a credit report that I did not authorize. I am also aware that I did not request insurance from this third party.
06/28/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NC 286XX	Web	Older American, Servicemember
We have banked with Vystar Credit Union since 1984. XXXX we were notified that XXXX XXXX would be down from XX/XX/XXXX XX/XX/XXXX, online and mobile banking would be down the XXXX XXXX. We scheduled our bills through the end of XXXX. XX/XX/XXXX the system was not available and was down through the end of XXXX. Vystar sent emails stating the system was up for people to use on or about the XXXX. My husband and I spent hours that turned into days trying to log on and see what had transpired on our accounts over 3 weeks. I even sent an overnight letter to the office of the CEO explaining we could not log in and no one at Vystar was able to help with the page not found error we received everytime we tried sign on. The letter was sent on XX/XX/XXXX. No response has ever been received. Vystars senior management continued to send broadcast emails to everyone stating the system was up. There was no acknowledgement of the continued issues logging in or the fact that bill pay was not available. I reported the issues I was having to the news in XXXX. We live in North Carolina so the reporter interviewed me via XXXX. When XXXX XXXX XXXX reached out to Vystar to ask about the issues that continued to plague their customers, Vystar did not acknowledge the issues continued. The PR department just gave a pat statement that customers are able to log on. The reporter told me they knew there were still customers that could not sign in as some of their staff could not log on. My husband spent the day on XX/XX/XXXX trying to get assistance. After hours of being on hold the Vystar rep told my husband they would have someone from the IT team call him back. He never received a call back. On XX/XX/XXXX my husband called back to see if he could be connected with the IT team that could assist with the no page found issue. At XXXX pm XX/XX/XXXX he was able to log on to our accounts. It took IT all of XXXX minutes to fix the issue. Mobile Banking was just brought back on line this week. My complaint is Vystars Senior Management was not transparent with all the issues, never revealed the fact that bill pay was not available at all through their phone system XXXX XXXX that we were continually told to use. There was no plan in place for the failure of this magnitude. There was no backup plan to put the old platform in place while the issues with the new platform were fixed. There is no excuse for this. Both my husband and I have worked for national banks, banks that were considered too large to fail, and understand there are times that systems will not work as planned but a back up plan is always in place. Vystars issues rest squarely on the shoulders of the CEO who did not ensure the customers were able to handle day to day tranactions for over a month.
09/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32034	Web	Servicemember
Vystar credit Union mobile and online banking was down and experienced crashes and delays that made it impossible to make a payment. It is the only time Ive ever made a late payment and now my credit is down XXXX points. I and several other people experienced issues making payments due to this outage and have had adverse effects to my credit because of vystara failure to provide means to make mobile and online payments at a reasonable time. I do not have a history of such irresponsible behavior. I have and never plan to make a late payment. However, when the institution requesting payment makes it nearly impossible to pay I feel it is the responsibility of the institution to admit its wrong doing and not make up lies that are clearly refuted by so many customers. Vystar has lied and gaslighted me. I can not believe how they continue to respond and make it seem as if I am only missing a payment out of negligence when I have said time and again that I am my family were stick and quarantined which made it impossible to go to a physical local for payments. The call center has hours of hold time. The website had a line with me often being 9000 + persons trying to reach their website well into XXXX. Even when I wait for over an hour in line I would often get to the first spot to enter and find an error message or page where I couldnt get in. Then I would have to start all over again for the back of the line. I could not make a payment if I couldnt even get to the website to see what to pay. I couldnt move money to my vystar credit card if the place to make payments was unavailable. I failed to make a payment not because I didnt have the money but because vystar failed to provide a way to make payment for those who could not go to a physical location. What about those with XXXX or illness? They caused this late payment which is why I have refused to use the credit card since then for fear of being unable to pay and the company destroying my credit history. The damage they have done to my credit history is not a reflection of my credit worthiness but a reflection of their mistakes as an organization and it is impacting my life significantly. Even people who had automatic payments couldnt get them to go through properly. They have a responsibility to create an environment for their customers to safely and reasonably provide payment and they failed to do so. Blaming me, the customer, by making up lies of negligent forgetful behavior when I have showed zero history of that is shameful. They even called me and asked me to explain and still came back and said I was at fault because their website was back up in 8 days. That is a lie and not the realitiy for thousands of customers. I guess I need to get a lawyer.
06/04/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 31548	Web
I recently had a car stolen from me via Theft-By-Deception. I was selling a XXXX XXXXXXXXXXXX XXXX and was contacted by someone saying they would send me the money for it. Knowing I wouldn't proceed without proof of money, we proceeded on a call with my bank ( VyStar Credit Union ) and I was told he was transferring money, and it would be in my account in the morning. The next morning the full {$49000.00} was in my account as AVAILABLE BALANCE. I was still weary, so I went to the bank branch and was told the money was " As good as cash '' and " No chance it could fall back on me ''. I was then informed that the bank automatically put the money toward the loan, and that it was paid off and the account closed so they could start the title process. I later received a letter from the bank stating that the loan was paid in FULL and they released their lien on the title. A few days later, the funds reversed, and i was negative the full amount in my account. After contacting VyStar i was told that the External Transfer that was stated on my account was actually a Check-By-Phone, that had NO hold on it, and immediately went into my account without being described as " Bank Funds '', and paid towards my loan by the bank. VyStar then re-instated the loan after a week and was immediately sent to collections as i was late because there was no loan account at that time. I am now out a XXXX XXXXXXXX XXXX and {$49000.00}. I have filed police reports, reported it stolen, attempted to file a claim through insurance, and pleaded with all involved parties to help me in some way. All parties involved don't care about the situation, place me at fault, and refuse to cover any amount of funds I've lost. Even though VyStar admitted they can't see if funds are checks or not, and admitted it is IMPOSSIBLE to verify checks with them, and insurance is claiming the vehicle is " Legally Sold '', therefore it can not be covered even though police confirmed all information from the buyer is false, and the vehicle is still registered in GA in my name. I am looking to go after the bank for denying the claim, and refusing to follow their policy. In the Attached police report there are some errors. 1. The title was never signed, for the bank still had it at the time of the theft. 2. I did NOT transfer the money received toward the loan account, VyStar credit union did the transfer of the money.
05/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32043	Web
Vystar has started updating their systems-supposed to take a very short time to complete... however it has now been several days! Starting XX/XX/XXXX. No access to MY money unless I drive to Vystar everyday which I am unable to do at this time unless Vystar wishes to compensate me for gas.I went to Vystar XX/XX/XXXX and was only given a printout through XX/XX/XXXX. My card along with my sons debit card, has been declined when there is supposed to be money in our accounts. I attempted to buy a XXXX at the hospital when my grandchild was sick and my card was declined for $ XXXX-how RIDICULOUS! Luckily I had my wife 's XXXX debit card and was able to buy something.They keep saying on social media that our money is safe and accurate-how do we know if we can't look at it??? Do we just accept their word for it?? When I have been able to use my Vystar debit card, it has been blindly-I have no idea of my balance. I have upcoming bills to pay and I need to be able to 1 ) go back and check to make sure my acct is correct since XX/XX/XXXX 2 ) I need to be able to see my balance, my deposits and deductions. We are no longer in the 70 's or 80 's when our parents used a check book register to keep up with our money-If I had known this would turn out like like this I could have gotten a print out of everything BEFORE they started their updates on XX/XX/XXXX so my life wouldn't be so difficult now. In this time, almost everyone does online banking so what happens when we are basically restricted from our money?? I know Vystar thinks it's no big deal, just drive to your closest branch every day or your closest ATM. But why? Why??? I have been with Vystar for a long time but it looks like I will have to look at other banking options just to pay bills!! And that means, I have to not only change my direct deposits for my wife ; s employment but for income taxes also. Why is it okay for Vystar to be this incompetent but we have all the stress and burden?? Also, Vystar tells everyone to use XXXX XXXX, well guess what? XXXX XXXX doesn't work either. Myself, & children have tried. Check out Vystars posts on XXXX and you will see other people who have the same issues and complaints.Please check out interview with Vystar executive XXXX XXXX who also sits on the board for XXXX who is the company that was hired to do this hot mess of a update for Vystar, Thank you.
04/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 321XX	Web
XX/XX/2023 was a tough day finding out as I was visiting a relative with XXXX my XXXX XXXX along with my personal belongings including my Vystar Credit Card. Fortunately XXXX was understanding and completely complied requesting that I obtain a Police Report. I contacted the XXXX XXXX police department and an theft report along with fraudulent use of my Vystar Credit Union ( They advise 0 % Fraud Liability ). After contacting Vystar at the local office going twice because they added more transactions to dispute then required. The branch manager advised to obtain a Police Report & FTC Fraud report and within 10 days you will have a provisional credit for the loss so it not going to effect my availability. I thanked her and about a week later fax Vystar credit union back office the FTC Report & Police Report information about 5 times as the gentleman at XXXX was having trouble. Nevertheless Vystar was faxed the legal documents that I was originally requesting to send. I need to note this is around 10 days after I originally disputed the fraud. To retaliate against me because of being victimized by fraudulent charges and because of my age and handicap ; Vystar closed the credit card and revoked my debit card charging capability. According to the FTC While the issuer is investigating your complaint, you can withhold payment on the disputed amount and any finance and related charges. But youre expected to pay any part of the bill not in question, including finance charges on the undisputed amount. The issuer may not take action against you for using your rights. The issuer can tell the three nationwide credit bureaus ( XXXX, XXXX, and XXXX ) that youre challenging your bill. But the issuer cant take legal action to collect the amount youve disputed ( or finance charges ) may not close or restrict your account ( THIS IS WHAT VYSTAR CREDIT UNION DID ) cant threaten your credit rating or report you as delinquent may not require you to pay your full balance immediately cant discriminate against you if, in good faith, you exercised your rights under the law to dispute a bill If your bill has a mistake, the issuer must explain to you in writing the corrections that will be made to your account and remove all finance or other charges related to the error. This plus more falls under the The federal Fair Credit Billing Act.
07/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 32606	Web	Servicemember
Dear Sir/Madam, I am writing to lodge a formal complaint against Vystar Credit Union XXXX XXXX abrupt cancellation of my credit card and its subsequent adverse impact on my credit report. My credit card account with Vystar was unilaterally closed by the bank following a single missed payment. Despite assurances from a representative of the institution that if I made the payment, the card would be taken out of collection status, and I would be able to continue using it and making payments towards it, my account was closed without my knowledge. This action, I believe, constitutes a violation of my consumer rights. In addition to this, I have been consistently unable to access my online account due to persistent maintenance issues, often encountering messages indicating that the online portal is down. This has limited my ability to effectively manage my account and could be considered a contributing factor to my payment issues. With these ongoing difficulties in mind, I express my willingness to establish an automatic payment system, ensuring no future payments are missed, should my account be reinstated. If this is not feasible, I respectfully request that this account be removed from my credit report. Moreover, I would like to highlight my rights under the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). XXXX and FCRA regulate the provision of adequate account change notifications and accurate credit reporting, respectively. Given my inability to access my online account and set up electronic payments, my rights under the XXXX XXXX Transfer Act ( XXXX ), which establishes protections relating to the electronic transfer of funds, XXXX also be implicated. In light of these concerns, I kindly request that the Consumer Financial Protection Bureau investigate this matter, and I urge Vystar Credit Union to reconsider their decision, rectify the negative information on my credit report, and ensure reliable online access to my account. Given that I am currently residing outside the country and lack access to physical mail, I request that all communication regarding this matter be conducted via my email address : XXXX. You all have been helpful so far. Thank you for your attention to this matter as I would love to continue doing business with your institution.
10/16/2023	Yes	Vehicle loan or lease Loan	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web	Older American
On XX/XX/XXXX, we purchased a XXXXXXXX XXXX XXXX XXXX XXXX and financed it with Vystar Credit Union XXXX XXXX XXXX XXXX, FL XXXX. I set up automatic payments through my XXXX XXXX XXXXXXXX checking account that were transmitted successfully for 15 months. In addition, all of these payments included additional principal payments. On XX/XX/XXXX, I received an alert from my credit monitoring service of an adverse entry in my report, a 30 delinquent account reported by Vystar. I had not received any communications from Vystar regarding this account being in the rears. I contacted Vystar and was told they had not received my XXXX payment ( due XX/XX/XXXX, and also my XXXX XXXX ( due XX/XX/XXXX ). Although both payments cleared my bank on XXXX and XXXX respectively. I was told to get the electronic trace numbers from XXXX, which I did for both payments and provided to Vystar. On XX/XX/XXXX, I was notified that they had found both payments, reversed the late fee for XXXX, and credited both payments to my account. However, no one at Vystar knew how to correct their reporting to the credit bureaus. It took an Email to senior leadership to get that done. This morning, I got another alert that XXXX had received yet another delinquent account notice from my Vystar account, showing my XXXX payment 14 days past due, yet again ( paid and cleared on XXXX ). Again I did not receive any notice from Vystar that his account was in rears, which it shouldn't be since they claimed they credited both payments on XXXX XXXX. These two actions by Vystar had a negative impact on my credit rating, dropping it from XXXX to XXXX. Ironically, on XX/XX/XXXX once these payments were credited I complained to senior management. My credit rating went back up, only to once again drop. I find it distressing that despite having two phone numbers, email, and snail mail address Vystar makes no effort to notify a borrow of a late payment. This is the 21st century and every other creditor has an automated system to do so. Yet, Vystar 's only automation is to turn to the credit bureaus. I have to wonder, if I didn't have credit monitoring how long would they have continued to hold my money without crediting to my account? Would I have found out about it when the repo agent came for my RV?
01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
I am writing to dispute and bring to your attention what appears to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. My concern pertains to my credit utilization. According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Upon reviewing my credit report, it seems that my credit scoring may fall within this exclusion. Additionally, 15 U.S. Code 1681a ( 3 ) states that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. I would appreciate clarification on the procedures followed in relation to inquiries on my credit report. To assist in your investigation, I have enclosed a copy of my credit report highlighting the relevant information and discrepancies. I kindly request that you conduct a thorough review of the matter and provide a written response within the time frame specified by the FCRA. If it is determined that there has been a violation, I request that the necessary corrections be made promptly to ensure the accuracy of my credit report. Additionally, please provide me with information on the steps taken to prevent similar occurrences in the future. Thank you for your prompt attention to this matter. I look forward to your timely response. Per 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
01/03/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 344XX	Web	Servicemember
This is the second complaint that I am writing in regards to Vystar credit union. I called the bank this morning as we got back from a cruise and they knew about it because i told them and they saw all the withdrawals and payment that was done to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My dispute was not with any of these companies. I called to dispute about two companies that stole my money for services XXXX XXXX and XXXX. I never received any items from them. I went and tried to get back my money from the first one XXXX XXXX for the {$700.00} theft and they declined the individuals and XXXX XXXX have not gotten back with me. The second company XXXX who took an amount of {$1400.00} in three different transactions And I never received anything from them. Now what got me is the fact that I called Vystar and waited on the phone for about 45 minutes before they answered just to ask why no one called me back and also to find out how I can get another debit card because I have two direct deposit that goes to this account my VA and Social Security XXXX and my dispute had to do with services and items I never received and did not authorize, and they also had blocked the transactions because they probably had an issue with other customers with these companies. We are currently in XXXX at my mothers house due to the fact my wife had XXXX XXXXXXXX and she will begin her XXXX XXXX at the XXXX XXXX and we will not be able to go back home right now XXXX XXXX XXXX, so when they told me that my account is not able to receive a XXXX I said wow and why, the agent told me that is the note that is written in the account and that the fraud department is currently closed. The bank was closed for the XXXX and i couldnt communicate right away with them due to internet issues on the XXXX and also they were closed for sunday and monday, so early this morning XXXX the XXXX I made sure I called and spoke with the card division and they told me that they will close the cards and investigate the duispute. I am dissapointed that Vystar will go to this extreme to deny me of a card that I ask If they can send to me at my mothers house due to our current situation and again the dispute was not fault it was by two companies. My dispute or claim number is XXXX
09/24/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	FL XXXXX	Web
XXXX XXXX XXXX Vystar Account This incident started during the time Vystar was having major systems issues. My daughter participated in XXXX ( Data Buster Sunmer Program ) were the earned money for the participation. And as XXXX recieved her wages by paper check she would then upload them to her account. And with Vystar system issue it was not notifying her that the online deposits were processed or accepted. She made multiple attempts to deposit in both her Checking and Savings Accounts, which caused her to have two additional payments deposited into her checking account and one in her savings account. When XXXX noticed the overpayment she made me aware. And I then contacted multiple agent over the phone at Vystar to assist with the matter. At first I was told nothing could be done. And finally, an agent contacted the deposit team at my request to place the funds on hold. And now being under the impression this matter has been resolved. The explanation given was that once the federal reserve notices the duplicate checks ( quadruple to me ) they would then reverse the payments in her account, which then would allow the funds on hold to balance her account. The hold would be released in the account after 10 business days and then an extended hold would be added if needed. I no longer worried about the matter, under the impressionthe matter was resolved. To then recieve a letter for both of us regarding a negative blaance for both her Savings and Checking Account. To find out when I contacted Vystar the money was added back in her account and XXXX requested the payments be returned and now she's owes a balance in the over six months later is absurd. I was told it took six months for them to realize the checks were duplicate payments. And only allowed them to use XXXX or XXXX XXXX. I never received statement from them during the duration of her membership, nor did she request electronic statements. Or information to notify her the her account was in the negative. But the worst part of all was I was listed as an joint owner that I did agree to. I asked for the same type of account my daughter who is also a member to have that did not require me to become joint member.
07/10/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Other transaction problem	VA 20151	Web
This can go in tandem with complaint XXXX. Ever since Vystar Credit Union went to their new website, I have not been able to use the XXXX service associated with Vystar. I went into two different Vystar branches to address this problem while I was visiting in Florida. One was in XXXX, FL on XX/XX/XXXX and the other in XXXX XXXX on XX/XX/XXXX. The XXXX visit resulted in no help and the XXXX XXXX visit was equally bad. The teller in XXXX XXXX said XXXX was working with Vystar and did a transaction. I said I couldn't do it and had e-mails to prove it. They were of no help. A payment failed on XX/XX/XXXX for {$480.00}. I thought they were still having issues with their new internet banking so I gave it a month to resolve. On XX/XX/XXXX, I tried once again to send and request money through Vystar and XXXX. Once again, the transaction failed. This time, I got the following error message : " The email or mobile number youre using with XXXX must be associated with an account. Please go to Profile Settings to choose a deposit account. '' When I went to the settings, I found out that MY legitimate e-mail and phone number associated with the account was suspended! I have NO idea why and EVERYTHING worked perfectly fine BEFORE Vystar switched to their new internet banking system. A Vystar representative did reach out to me about the other complaint. I did make known my disappointment with the new internet banking system and the process that was used to bring it online. She understood, but could not offer much help. I will call again on Monday to ask about this ongoing issue since this was the FIRST time I actually got the error message. It's unfathomable that their tellers don't know about these issues and in fact, I was told by tellers that they don't blame me and fully understand why I took the majority of my funds out of Vystar. My wife and I really loved and were loyal to this credit union and to be treated like this... to have ALL customers treated like this is totally out of character for a company with so much history in the state of Florida. I also handle my mother-in-law 's financial situation and may encourage her to drop Vystar too.
04/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 32259	Web
On or about XX/XX/2022, I logged into my Vystar Credit Union accounts to review the Credit Card options available to customers. On the main page of the site, it offered Zero % balance transfers for 12 months on all 3 card options. From there, I selected loans services of which the options available for credit cards is to apply for a new card or apply for a credit limit increase. I applied for a new card. Once the application was submitted, I received an immediate conditional approval with the credit terms of 9.35 %, 0 % interest for 12 months on {$16000.00}. About a week goes by and I had not received a card. I called the credit union and they informed me they instead increased the credit limit on my existing card to {$16000.00} and advised that I am not eligible for 0 % because that is for new cards only. I Proceeded to explain to the rep this was a new card application. I was then transferred to XXXX XXXX who informed me the same thing but also a new card would not be issued to me unless there was an additional person added to the card. Had I known they would increase my credit limit on my existing card ( which I did not apply for ), I would not have bothered allowing them to place a hard inquiry on my credit report. My Issues/concerns : 1. I was not informed of policy at time of application, the system allowed me to submit an application for a NEW card AND placed a hard inquiry was place on my credit. 2. The Approval clearly stated I was approved for 0 % interest at time of the application and after submission. 3. The credit union refuses to accommodate or extend the 0 % offer even though I was initially approved for the new card offer application. 4. The credit union increased my credit limit on my existing card vs issuing a new card I was approved for without my knowledge. This was even after receiving a follow up email from the credit union to " keep an eye out for a docusign to complete in order to receive my new card ''. What I am hoping to accomplish is to be given the 0 % interest rate for 12 months on balance transfers as promised on the application and initial approval.
01/19/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 32207	Web
ATTENTION : C.E.O. of Vystar Credit Union XXXX XXXX XXXX XXXX XXXX, FL XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2022 CEASE AND DESIST NOTICE To whom this may concern, I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Vystar Credit Union on my consumer credit reports, as a charge off inquiry. Vystar Credit Union cant report something as both income and debt. Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Vystar Credit Union must fill a form 1099-C ( please provide me with a copy ). Vystar Credit Union has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to all credit reporting bureaus, and ceasing all communications to me by mail EXCEPT to resolve this matter. Please write me at the address listed on how you plan to resolve this matter no later than 30 days after receiving this letter via certified mail receipt. I hereby grant your company, the opportunity to remedy this matter by doing the following : 1. Deletion from all consumer reports. 2. Provide Copy Of 1099-C form If you accept my request, I will not escalate matter to Federal Court or Complaint. In case, you dont accept the above requests, legal action will be taking against your company for compensatory damages. Kindly govern yourself accordingly. Respectfully, Without Prejudice, XXXX : XXXX
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 322XX	Web	Older American
I did a loan consolidation in XX/XX/XXXX with Vystar Credit union. My credit score was sufficient for me to do so as I have always tried to pay my bills consistently on time and before 30 days. I had a car loan with Vystar and paid it off early last year. The complaint is regarding the loan taken out XX/XX/XXXX. I attempted to make XXXX payments to Vystar in XX/XX/XXXX thru Bill pay and it was declined by Vystar according to XXXX XXXX XXXXXXXX Bill pay. The reason was the address was inaccurate. Vystar has at least XXXX different addresses on their website that can be submitted on Bill pay. XXXX at. Vystar office stated to me that they were in a transition when I sent the payment ( From XXXX to XXXX then back to XXXX was cited as a reason ). I explained to the collection department what occurred and they stated that they do not grant such requests, in spite of it being their declining payment. This late payment is the only late payment that I have on my credit history in more than XXXX years. This late payment is making it difficult for me to expand my borrowing ability. Vystar has a history of ineptitude as it relates to serving clients needs regarding complaints. They recently had a massive snafu with reference to customer and access to accounts. XXXX and XXXX in collection at Vystar made it clear that they do not do goodwill reporting, even if it Vystar fault. They should not be allowed to ruin a persons credit because of institution incompetence. This incompetence extends to customers inability to set up accounts and submit payments directly to Vystar. I attempted to set it up and it ended by telling me it failed and to call a number the next day which I did as instructed. No live person was accessible. I then went to the Branch office on XXXX XXXX in XXXX, FL. I was given XXXX different addresses by XXXX tellers. The car loan and consumer loan sites are different as far as payment addresses are concerned. I simply want them to remove this reporting from my credit. This is not good will report removal, it is them doing what they should do legally.
07/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	FL 32084	Web
My credit card was turned off. ( XX/XX/ ) Even though I called VCU ( vystar ) months ago, even over a year ago to address a financial hardship I had encountered I was told that I would have to jump through some hoops, and even then there would be no promise that the interest would not stop accruing against me time and time again I would find a time to call or go into the bank itself to figure this out time and time again I was turned away without a resolution whereby I would be continually charged monthly, the accrual of interest. In three years I found it incredibly difficult to keep those payments going and now that I have this letter here informing that the credit card has been closed I feel disenfranchised. The approximate {$1400.00} that I have spent on that card which is under its limit skyrocketed to over XXXX when I could not make the minimum monthly payments. Even though I did correspond with this bank and attempted to explain my situation, I was given no do course for a resolution. This coincides with a charge to my checking account with them, that, even though I tried numerous times to address, including going into the branch, and having personnel there verify the lost money I was unable to see it all back, and as a result of being in financial hardship, that checking account was closed due to drawing a negative balance. Where I thought I had given my due diligence to point out the fraudulent charges in person at the bank one or maybe two of those charges was overlooked resulting in a few XXXX dollars being extirpated from my pocket I trusted this bank with my money to protect me in my identity and now I feel at a loss, maybe if I had more money or income they wouldve treated me better I do feel discriminated against. It is possible that it I somehow miss managed information on my end. However, having submitted the claim for at least three fraudulent charges, I have no paperwork here and no emails that would show any effect of what charges were even addressed.
08/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 320XX	Web
I got a loan with VyStar Credit Union and the first payment was due on XX/XX/XXXX. As of XX/XX/XXXX I had not received any form of communication from Vystar regarding my first payment due date, account number, member number ; nothing. Thankfully I realized that I had made my purchase about a month prior and pulled out the contract and found that the first payment due date was in fact on XX/XX/XXXX. I called Vystar and after sitting on hold for a very long time ( more than 30 minutes ) a woman answered and told me that I could always pay online but I would have to set my account up. In order to set the account up, I needed the loan number, a savings account number ( apparently it automatically generates ) and my member number. After reminding her that they had not sent me any of that information, she said that she could take the payment. My initial payment was made on the afternoon of XX/XX/XXXX, I received a confirmation number over the phone as well as a confirmation e-mail that day. When I went to make my 2nd payment on XX/XX/XXXX, I saw that I had been charged a {$15.00} late fee. When I examined the account closer, I found that my payment made on XX/XX/XXXX was not posted by Vystar until XX/XX/XXXX. I have since called Vystar numerous times and after being on hold for over 80-90 minutes ( in total ) have been told twice that I would be called back, once put on hold just to be put back in the queue, and once hung up on. Two of the customer service ladies told me that they could reverse the late fee to at least take care of that, instead one of them added another late fee so I've been charged {$30.00} in late fees when no payments have been late. I have asked them to pull my initial payment and repost it back dating it to XX/XX/XXXX when I actually made the payment, along with removing the late fees. No one seems to care or know how to fix the multiple issues they have created. As I type this, I'm back on hold to discuss the 2nd late fee.
12/29/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 32210	Web
VyStar always claims to protect those that bank with them I have been with the bank for over 8 years I recently was hit with fraud a company or person acted as a work from home company they sent me a check to mobile deposit for computer equipment and software to purchase through there vendor it was a {$3400.00} check, I called VyStar to see about the check and when it would be available they said everything is fine it will be available then after that i checked my email and received a email stating it will available in my my accounts and later that day the funds were available its insane Im starting to feel like its a inside person I started sending the money over to the vendor for my equipment then a few days later VyStar took there funds back I called them to see what was going on thats when I found out the check bounced VyStar didnt even try and get in touch with me or anything at all I got in touch with them twice so now Im losXXXX out on money due to fraud or scammers whatever its called its a shame and I tried to open up a dispute which the person XXXX never put in I end up going inside and having someone open a dispute in front of me this is insane Im closing all accounts with them soon as this over with because they did not protect my funds at all at the end of the day its plenty inside people and it will be coming out soon, I have all of the screenshots and emails from the fake work from home people literally all evidence and VyStar is still holding back I have a family Im a single mother I would have never used my own money VyStar is getting out of hand I should have been left them alone when they mobile banking and everything was down for months this is disgusting I would never do this to someone this is insane why is a check posting anyways if its not good yall suppose to be the # 1 bank I have screenshots of everything it doesnt matter the time or day of its bad it should never post yall really not protecting our money at all
01/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 344XX	Web	Servicemember
we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card to pay for XXXX which was refunded to me by XXXX when we got robbed, I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back. I have made several calls using my US phone which cost me a lot of money with roaming and I also called using a local number. I spoke with a gentleman that told me that this will get resolved and till now they have not sent me any documents and no refunds, and all the calls I made was to let them know about the situation, I spoke with at least 7 agents and I even gave them a local number to reach me for more support, they told me a supervisor will be in contact with me but he/she never did. Instead, they are being rude and not willing to help. I will attach every document pertinent to my dispute and as soon as I got back in the country I went to the local branch to pick up my debit card that was stolen because they never even sent me one at my house. However, the branch manager was so nice and she told me if I didn't get this result asap come to her.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
On XX/XX/2021, I paid VYSTAR XXXX the entire balance alleged due of {$240.00} on the account they charged off a few months after they denied my dispute of purchases in regard. I never received services for one of the transactions relating to incorporating my business with the state of Florida. The other transaction, I agreed, belonged to me after careful research. The state denied my filing request to form an XXXX from XXXX because I filed incorrectly. I disputed with Vystar XXXX providing proof the state of Florida did not create my XXXX as requested even though they debited my payment account. Regretfully, I could not reach anyone by phone in the business services division attributed to the COVID pandemic. Today I never received a response. As a result, Vystar closed my account and labeled it a chargeoff. Though I disagreed with Vystars ' decision to deny my request, I decided to pay them the alleged amount owed. After all, they were kind enough to offer me conditional credit as they investigated my claim. However, XXXX and the three major credit bureaus report this as a chargeoff though I paid the entire balance. I was unaware of how conditional credits and disputes worked with the banks. Now, I have a better understanding as a XXXX XXXX XXXX XXXX employee. The credit reports show the account as " chargeoff '' and " paid, '' which has negatively impacted my ability to obtain adequate housing for myself and my family. The reporting is a bit confusing. Vystar charged it off a few months later ; however, I paid them in full. Vystar Credit Union : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Account Number XXXX ( XXXX # XXXX ), XXXX XXXX
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32725	Web
o Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act I have since XXXX XXXX XXXX XXXX XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
04/06/2023	Yes	Money transfer, virtual currency, or money service Debt settlement	Problem with customer service	FL 320XX	Web
VyStar has locked my checking and saving accounts with no explanation, email, letter or text notifying me as to why. I found this out when after doing my own research when making a monthly payment for my auto loan. I have been trying to make my payments online since XX/XX/23. When I transfer funds from checking/savings account I get a successful transfer ( took screen shots as proof ). When I log into my account it says {$0.00} payment due by XX/XX/23. However, no funds are being withdrawn and there is no payment being applied from my Vystar checking and savings account. I received no explanation, email, letter or text notifying me of this. I am under the impression that my payments are going through ( took screen shots of the successful message from Vystar of transfer ), yet behind the scenes its ailing in the transfer history log. I am being charged a late fee {$15.00} for this and have an adverse credit concern. This is not the first time they have done this to me. When I paid off my personal loan ( golf cart loan ) with a refinance, there was a {$23.00} balance. I sent a {$23.00} payment to satisfy the remaining balance this off multiple times. However, when I logged into my account it still said balance of {$23.00} but {$0.00} payment was due. Then they hit my credit with a 30 day late, but the following month the account shows paid off {$0.00} balance. But the late fee still shows on the credit. Vystar needs to have some accountability for this, better transparency and notifications sent to customers when there is an issue.
05/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 32218	Web
I had a Card with Vystar. I was traveling and I made a reservation for a hotel in XXXX. Which I authorized the hold on my card for the reservation which was a little over {$800.00}. When I checked in to the hotel they actually removed the hold and charged my card right there at check in for the {$800.00} and some dollars. I was traveling and staying in several hotels for a couple weeks so I was constantly checking my account several times a day. What I got to my room and unpacked I checked my account to make sure everything was good and see what my balance was after paying for the room. Everything added up and was fine. However, when my stay was up and I checked out I returned the keys and they said my small deposit would of {$100.00} would return to my card in about 24-48 hours ( the deposit for cleaning and damages ) that was returned to my card no problem however I was charged the entire stay of {$800.00} was charged to my again. It was not the deposit for damages it was the actual amount for the whole stay. I fought back and fourth with the hotel which said it was Vystar and Vystar said it was the hotel. I never got a resolution and never got the money back. BUT now I noticed it is on my credit report which my credit was perfect no late payments or collections. nothing! This is negatively impacting my credit and I cant get any help form anyone I call or send mail to. I understand the money is gone and I wont get it back but this is not ok that my credit is now effected and I cant do anything about it. Please help. Thank you
04/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32218	Web
I, XXXX XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of paid U.S. Postal money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$27000.00} in accordance with HJR-192 Public law 72-10, U.C.C 3-603 ( b ), U.C.C 3-311 And public law for negotiable instruments to Vystar Credit Union on XXXX they accepted my instrument , but did not credit my account correctly. I called Vystar Credit Union on XX/XX/2023, and talked to a supervisor named XXXX, and she told me that she would transfer me to member services, but the line was disconnected after being on hold for about XXXX minutes. I also called and spoke to a Vystar representative on XXXX at XXXX and spoke with her about my negotiable instrument and was told they will not except my offer, so they refused to stand in honor of the law by applying the proper payment, even with the agreeing that they do accept legal tender which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32209	Web
I am a consumer as defined under 15 USC 1602 ( i ). Upon reviewing my credit report, I noticed VYSTAR CREDIT UNION furnished the following information to my consumer report and it is invading my right to privacy. *Vystar Open XX/XX/ Account # : XXXX Amount : XXXX I DO NOT AND DID NOT consent to the furnishing of this information. I am aware that I have the right to privacy of my non-public personal information under 15 U.S.C. 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRS 's ( XXXX, XXXX, and XXXX ). VYSTAR CREDIT UNION did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not allowed to opt out of the disclosure of my nonpublic information and I wasn't given any directions on how to exercise my right to opt out of said disclosure of non-public information under U.S. Code subsection 6802 ( b ) ( a ) ( A ) ( B ) ( C ). VYSTAR CREDIT UNION violates 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. This is a notice to CEASE and DESIST all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by VYSTAR CREDIT UNION for the account opened ( XX/XX/ ). With Prejudice By : XXXX XXXX XXXXXXXX ALL NATURAL INALIENABLE RIGHTS RESERVED
11/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 34481	Web
I had fraud charges hit my Vystar debit and credit card in XXXX this year. I immediately reported the fraud the same hour. I asked them to stop all transactions, All but XXXX of these transactions were still pending when I contacted Vystar. Vystar reimbursed me on my Debit Card XXXX and my Credit card XXXX These charges were from XXXX, I believe they were from XXXX XXXX, XXXX After 30 days Vystar reversed the XXXX credit on my debit card saying I gave access to my computer and therefore the IP address. I explained to Vystar that I was led to believe it was a legitimate streaming service and it was a technician helping me with a problem on my streaming service and gave access to my computer under false pretense. They then refunded me the XXXX charge once again Then 60 days later Vystar took back the XXXX credit they had given me on my credit card for the same reason. Again, I explained to them what happened but the fraud manager refused to give me back the credit and then froze my debit and credit card stating I was a security threat. This happened one time and over 3 months ago and now they chose this action on me. I simply want to be refunded the XXXX they initially credited to me 3 months ago They refused to work with me on this matter. Not only is their a wrongful XXXX in charges on my credit card but I am getting hit with huge interested charges on it. Thank you and I hope you can help me deal with this issue.
03/28/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 320XX	Web	Older American, Servicemember
I was recently informed ( when I called the company ) VYSTAR that my debit card had been canceled due to suspected fraud. I went to the local branch today to get a replacement debit card and was told they had sent me a text message which I did not respond to therefore the card was terminated. I did not receive an email or mail notification that this was done. Heres why the complaint-they claimed a text message was sent on XX/XX/2023. They sent the text to my home landline ( which I no longer have ) claiming it was the number on file. That may be true however they could have sent an email or a letter stating their position. They did not. When I was at the bank today they changed the old phone number to my cellular number which is the only one I have. Calling later today to have my card verified they claimed they could only send a code to my old landline which is non-existent. I asked them to please send me an email with the code and was told they have no email on file for me. After that call I checked my account information and there was my email and cell number. Im sorry to have to complain about this company again but they need to get their act together. Its frustrating doing business with them. I will soon change banks but dread the associated change overs that come with that. None of their customer representatives seem to be based in the USA. Sincerely XXXX XXXX XXXX
08/17/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL 32256	Web
Vystar should be forced to shut down and fined by the government for everything they have put us customers through between the website and inconvience. On XXXX I contacted Vystar Credit Union because I have a bill on XXXX, I also have been making payments on my own to pay the bill off. Vystar never sends me a txt message or calls me to verify anything, they automatically just block your card or won't let my payment go through than I have to wait over 50 minutes for a representative to pick up to unblock it an allow the charge to go through. I spoke with a rep today XX/XX/2022 and told her not to block any payments I make to this company as I have been making payments for over 2 months now and its not fraud! I tried to make another payment to the company later that night, AND same thing happened again payment won't go through which means I have to start work late again tomorrow to call for the same reason. I XXXX this bank so much I will be taking partly a day off to look for another Credit Union. When I make charges early in the day for example if I make a charge on XX/XX/2022 it shows in the transactions tomorrows date XX/XX/2022 I have never seen that happen with any bank in my life. I don't think this is legal. I caution anyone who banks with them. Since web issues, now when my money is deposited from my employer it says " XXXX XXXX '' instead of my employers name.
03/28/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 32114	Web
Noticed there was a forged check that someone used mobile deposit to withdraw {$1500.00} on XX/XX/2022 around XXXX PM~. Called VyStar to start process of forgery. Paperwork was done incorrectly, was also told I need to go in on Saturday XX/XX/XXXX to sign paperwork for forgery. Signed paperwork for FRAUD, which was not the correct paperwork. Called throughout the week of XXXX XXXX multiple times per day. Spoke to different agents each time. Every single one said they would call me back with an update. I never received an update. On XX/XX/XXXX, a phone rep. finally told me that my paperwork wasn't done correctly and that I would have to go into the bank AGAIN to sign the correct paperwork. Called police and filed a police report about the incident as of XX/XX/XXXX evening. Went in on XX/XX/XXXX. Signed proper documents. Vystar Manager tells me " Yeah my notary expired HAHA so we'll have to do it Monday, sorry! ". Called the XXXX XXXX location on XX/XX/XXXX 6 times with no answer/call back. Unable to confirm if my paperwork has been submitted. Called general help line XX/XX/XXXX, 3 times. Hung up on after holding for XXXX minutes. Finally waited XXXX hours to be told the paperwork has yet to be submitted for forgery. Vystar rep said he would call me back later today with an update after not being able to contact anyone at the XXXX XXXX location.
10/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Charged fees or interest you didn't expect	FL 32207	Web
Vystar Credit Union changed their technology a little over a year ago. When they did that ( after major impacts to online/mobile usage ), the system no longer allowed you to pay the full amount of my personal line of credit. Here is the timeline : XX/XX/23 - Moved {$200.00} from my LOC to my checking account online ; XX/XX/23 - Made a payment of {$200.00} from my checking account to my LOC which showed as the balance ( before the tech change i could see what the payoff was at the time of payment and pay the interest but that is no longer the case ) ; XX/XX/23 - Made a payment of {$0.00} ( this is after I see that I had a balance of {$0.00} from the {$200.00} in XXXX which I tried to pay {$0.00} but the online system doesn't allow to pay the full amount ) ; Note : there is no note on the online system that I saw that said you had to call to pay off the amount ( which is a huge inconvenience not to mention a change to how the account works ). Today, XXXX, I logged in and saw that I had a 'Debit ' on my LOC account of {$15.00} that was not familiar to me. I called Vystar and they said it was a late fee from the {$0.00} balance. It was not shown as a late fee and it is a fee that should not have been charged. They did reverse the fee but had I not noticed it and called then it could have become a much bigger problem. To me this is a deceptive practice.
04/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MN 55417	Web
I bought a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I got a loan through VyStar Credit Union, provided proof of insurance that the dealer required, and so on. The loan shows it was populated on XX/XX/XXXX. My first payment was due in XX/XX/XXXX. After paying my loan payment on time for XXXX and XXXX, I noticed it said my loan payment due was wrong, but I kept paying the correct loan payment amount to not be late. Then in XXXX I decided to make an online account instead of paying the loan without one. I saw " CPI - Collateral Ins '' charges of XXXX XXXX per month on my loan. I never received any communications from VyStar about this at all. I then contacted them and was informed I didn't have proof of car insurance. This is the very first time I ever heard anything about this. My proof of insurance was submitted with my dealer when I bought the car in XXXX. I followed their steps and submitted my proof of insurance. During this time, they were putting XXXXXXXX XXXX per month late charges on my account, presumably because they were charging me XXXX XXXX per month on top of my payment. None of this was ever communicated with me. Now we're in XXXX, I check my account. They sent me one refund of XXXX XXXX to my Savings account instead of just removing it from my loan? My loan still shows 3 late fees due and XXXX XXXX on my loan history.
06/16/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 320XX	Web
I am not sure if you are aware, but VyStar CU in XXXX, FL system has been down or not working for over a month now. They converted to a new system ( XXXX XXXX they purchased the company that they converted everyone 's ' account. Since then transactions have either been missing or unable to be identified on-line. I tried to access my account on multiple occasions, there is a waiting que for on-line. At one point, I was in line and my number was # XXXX, This took over 2hrs to get into their system and then it kicked me back out after waiting for over 2hrs. I called last week I believe it was Thursday, XX/XX/XXXX and ask that they send me via email a copy of my XX/XX/XXXX statement, because when I access it on-line only part of the month is listed. I can't even access their mobile app. even though their system says it is working... People have gone into the bank to get access to their account, people has waited in line over several hours or in drive through for hours... They keep telling everyone that it will be up and running soon, however to no avail. I accessed my account today and the same information, it does not show any transactions before XX/XX/XXXX. I have called to try and get them to help, but they advised that they site is " limited '' to what they can provide.
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32210	Web
HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( VYSTAR CREDIT UNION ) WHICH CURRENTLY HAS A BALANCE OF {$2200.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/17/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	FL 34769	Web
I have tried to solve this problem with the representatives of the bank but have been unable to. My daughter was included in my account under my name as a minor. The employer XXXX gave her a bad check dated XX/XX/ and the bank took the money out of her account in full. You are affecting my credit stating that I owe to you {$130.00}, which is not true. A complaint against XXXX is open under the XXXX XXXX XXXX in XXXX I want to stop the harassing for my person, take my daughter out of my account since she is over 18 and stop with the collections and harassing actions against me. The Florida Statutes 657.023 under Membership ( 3 ) establishes that : a credit union may close the account and terminate the membership of any member whose actions have resulted in any financial loss to the credit union or for good cause. On this one, I am referring that all this situation happened and I have explained as a good cause. So, I beg that you take my daughters name XXXX XXXX XXXX from my account and stop damaging my credit and sending me to collections agencies. You took the money completely from her bank account. Stop with the harassment, and damaging my credit. Enclosed documentation. XXXX XXXX, mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/29/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 326XX	Web
In the year 2019, my Vystar checking & saving account was involuntarily closed & I have not been able to open a new account with Vystar or any other Credit Union since. I have also had trouble opening bank accounts with non-credit union banks. Vystar closed my account due to I received a check in the mail for an item that my husband was selling online, I believe it was a riding lawnmower if I'm not mistaken. We attempted to deposit the check through my apps mobile check feature. Vystar then made me aware that the check was fraudulent & told me that I should file a police report if we had already given the item being sold to the " buyer ''. But since we had not sent the item to the buyer yet, we did not feel it necessary to file a police report & assumed Vystar would handle anything to do with the fraudulent check. My bank account was then closed a few weeks later & when I contacted Vystar to find out why, they said due to the fraudulent check they closed my account since I didn't turn in a police report. I did not know that I was required to do this & I feel that my bank account being closed due to someone attempting to scam me is unfair. I have attempted to resolve this with Vystar multiple times but they always say there's nothing they can do.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32034	Web
I am writing to express my deep disappointment and concern regarding Vystar Credit Union 's lack of response to my dispute, which I submitted on XX/XX/2023. Despite my diligent efforts to resolve this matter amicably, I have not received any communication or investigation results from your institution, in direct violation of the Fair Credit Reporting Act ( FCRA ). I provided you with the necessary information and context in my dispute letter dated XX/XX/2023. In my communication, I clearly stated my concern regarding the accuracy and completeness of the accounts that you are reporting on my credit report. My primary objective in submitting this dispute was to request validation of these accounts and to ensure their 100 % accurate reporting. Given that I have reason to believe that these accounts are not being reported in accordance with the FCRA 's guidelines, I also requested their immediate removal from my credit report as a corrective measure. As of the date of this letter, I have not received any investigation results or communication from Vystar Credit Union regarding my dispute. This lack of response not only disregards my rights as a consumer under the FCRA but also raises concerns about the adherence to ethical reporting practices.
03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32216	Web
I reviewed my consumer credit report and Vystar is reporting the bank account as a charge off with an outstanding balance. There are two faults caused by the bank that have affected me negatively and caused me financial harm. 1. I closed this account inside the bank several years ago. Vystar actually gave me money back upon closing the account out. Without my knowledge or consent Vystar reopened the bank account and continued to process transactions. I was not notified until I found the debt on my credit report. 2. After Vystar refused to rectify their wrong doing i eventually paid the outstanding amount althogh I was reluctant to do so. I walked inside of an Vystar branch on XXXX XXXX in XXXX, FL and paid the amount that Vystar stated I owed although Vystar credit the negative balance. Vystar refuses to remove the debt from my credit report. A balance is still showing owed. I contacted Vystar by phone and the representatives advised me to contact a third party collection agency to get it removed. I was very confused as I did not pay a third party agency and I was never notified that an third party agency took over the debt. I am out of money, my credit is being negatively affected all due to this large company treating me like nothing!
06/17/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	FL 32244	Web	Older American, Servicemember
We bank with VyStar Credit Union and someone has hacked into my account over 30 times since their move to new platform, moved money within accounts in amounts of {$1000.00} or more including a business account and set up payments through their new billpay to have money routed elsewhere. Identity theft and fraudulent payments. I've spent the last 10 days at the bank every day having these issues shut down because their fraud department was not catching. Additionally, my identity was stolen and fraudulent credit cards were in the process of being opened by fraud in my name we had to shut down ( luckily caught before they were issued ). We had to have all access to our accounts cut off from any electronic access whatsoever to end this. After 32 years of banking with VyStar, they have allowed my information to be compromised and I've had to freeze my credit, and remove my money and go to another institution in addition to doing everything to stop any fraud and fradulent accounts from being opened across the country. Their unproven new banking platform is an absolute nightmare and they can not protect your money, your accounts can easily be reset by anyone if they managed to get in and steal your social. Beware if you are banking with VyStar.
02/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 32211	Web
Vystar Credit Union in the month of XX/XX/2022 while converting their online systems, failed to proactively send credit card statements to any clients who were set up for edelivery and the ability to speak to anyone to arrange payment required a hold time of over an hour with no ability to be called back. I was hospitalized and unable to reach anyone during the time I was able. When the system did come back online there was no access or viewability of our credit cards. When I finally spoke to someone I said they needed to reverse the charges and adjust my entire credit reporting and my available credit lines. It took 3 phone calls to get access to my credit-card restored but in the meantime I was having my credit lines decreased left and right because they reported my delinquency despite HAVING NO WAY TO PAY THE BILL EXCEPT FOR GOING INTO THE BRANCH! They refused to reage the account and correct their reporting and this caused me to financially and mentally spiral as I needed the funds for necessary house repairs. My credit score prior to this event was XXXX. I am now down into the 600 's and now jobless. None of the creditors will make arrangements either due to the negative credit history I have now been saddled with.
01/08/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL 32208	Web
I applied for a Checking account with Vystar Credit Union XX/XX/2023 and was denied. In the letter it states that their decision was based in whole or in part on information obtained in a report from the consumer reporting agency, but also states the reporting agency played no part in their decision and is unable to supply specific reasons why they have denied my request to open a deposit account in their institution. Pursuant to 15 usc 1692e- The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Which in this letter, Vystar Credit Union is being very misleading once they obtained information on my consumer report. Pursuant to 15 usc 1681 ( a ) ( 1 ) - The bank is dependent upon my consumer report being fair and accurate. Pursuant to 15 usc 1602 ( l ) - The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit I used my social security card which falls under the term " credit card '' and I have received no benefit which is fraudulent activity. I put an application in in good faith but an account was not issued.
05/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	TX 78130	Web	Servicemember
VyStar Credit Union, I believe, is not meeting their Fiduciary Duty. I received an email from Vystar on XX/XX/2022 stating that beginning on XX/XX/2022 until XX/XX/2022 online and mobile banking will be off line. At least 5 days before I had no way to use the bill pay option on the website. The system went down on XX/XX/2022, and wasnt functioning at all for at least 10 days. Vystar is limiting how many people can log on at once, and I can only see my last three transactions online when I can log on. Its been a difficult process to get into the system. Vystar has given no date when this problem will be resolved. The reason I believe Vystar isnt meeting their Fiduciary Duties are the fact they gave XXXX XXXX dollars to a start up company, XXXX, that shares the building they are in, has no other customers, and has two of Vystar Excutives on their board, XXXX XXXX, and XXXX XXXX. I as a Vystar Credit Union Member believe they continue to work with XXXX, because if their on going ties to them. I feel that since there are no time frame of when the online banking system will be up, or if it will be operational at all they should be looking for another more experienced IT company to resolve this ongoing issue.
04/30/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL 32223	Web
On XX/XX/XXXX, and XX/XX/2023 I attempted to pay 2 credit card bills through ACH payment from Vystar Credit Union in Florida. This had been done every month for over 2 years to, and from, the same accounts. The money for both payments were in the account used, yet the bank rejected both payments without notifying me, because of aforgotten payment for a different credit card ( secured card ) that was serviced with Vystar. After speaking with a customer service representative, I was told that their members service agreement gives them the right to reject all payments made from the account until the secured credit card payment is brought current, which makes no sense because i technically prepaid the balance. Without sending any sort of reminder for the late payment before rejecting all payments I made from the checking account and causing multiple fees, then then closed the card and applied the secured payment. They have cost many members fees due to poor management decisions made of their online banking and currently have a class action against them because of it. I want anyone reading this to know that Vystar Credit Union is not a good bank since the past year and not to bank with them.
01/14/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	FL 32244	Web
I entered Vystar credit union located at XXXX XXXX XXXX XXXX fl XXXX, on XX/XX/2022 at XXXX pm. I just recently started working back for a previous company XXXX XXXX XXXX which provided a check as first pay method until the following pay period. I was judged the moment I walked in based on my race. I was informed by a XXXX who refuses to provide last name but basically stated prior to even looking my account up that I could not cash my payroll check and that cashing and depositing is the same if they have reason to believe it would be a returned check even though I have been a member Atleast 10 years. The supervisor XXXX XXXX walked over rudely when I asked to speak with someone because I cant believe Im treated so unfairly. She informed me that my account had several charged off accounts which is not correct as I have had the same checking account for quite sometime now. This really hurt my feelings as a human being to be treated so poorly at my own bank. I really want to close the account out due to this issue but I also want to push this issue as no one should feel like I am feeling. There is enough XXXX in the world, your bank should be a safe space as they hold all of your funds.
01/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AE XXXXX	Web	Servicemember
I cancelled an item that was charged on my XXXX Credit card. I cancelled via credit card services/VyStar. The products were never sent or received. After several communications with Cardholder services I went to my local Post Master : XXXX XXXX in XXXX XXXX phone # XXXX and obtained a letter that stated the information that was submitted was not sent to me and they could obtain additional information by contacting the post master. The fraudulent company Aletehadtrading company uses fraudulent XXXX labels and submit them and the cardholder services does not verify or do their job all the while continues to let the consumers pay for fraudulent transactions. I submitted all information to receive my {$54.00} credit but Cardholder services gives an automatic email response of case closed due to missing information/they are receiving a high volume of inquiries although after every phone conversation ( I have documented every communication ) Im advised of they have the information and still working on it- The transaction date was XX/XX/2022 and the card services was immediately contacted to quickly handle this but as of today XXXX XXXX my account has not been credited.
11/15/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 320XX	Web
I did a balance transfer from a higher rate card to my Vystar credit card in the amount of {$4300.00}. I was charged a fee of {$120.00} for the transfer. There was no notification on the website that I would be charged this fee and the transfer was submitted successfully. I noticed a couple days later the fee was assessed and I immediately contacted Vystar. The representative advised me the transfer fee policy was implemented back around XXXX. He was unable to waive any part of the fee and escalated the call to a manager. I spoke with the manager, ( didnt get her name ) but she said she would have it sent to another area and contact me the next day, ( XXXX ). I never received a call back. There was no proper disclosure of a fee that would be imposed for the transaction or I would have never initiated the transfer. I searched the website and the only indication of a transfer fee was on the main page for credit cards and the features of the credit cards offered by Vystar. I did a transfer previously, ( many months ago ) and the fee was not assessed and I feel the fee should be properly disclosed to the customer in accordance with their new fee policy structure.
05/25/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 322XX	Web
The date of the fees is XX/XX/25. I called the same day. the chatbot name was XXXX XXXX I called at XXXX XXXX bank charged me ACH fees and offered no additional information. I called as soon as the fees hit my account. I contacted bank but they refused to let me talk with the fraud department. They refused to let me talk to manager. They refused to let me talk to any human at all. I was denied a transcript of a conversation with chat bot or an employee. I am unsure of what was happening with a chat bot and requested a call on the number on my account. instead she wanted my personal info. I thought this may be part of the scam. I begged to talk to a person and " she '' or it kept avoiding my request. Vytarcu does not take sufficient measures as to fraud reporting. there should be a way to report fraud 24/7. they have a history of technological failures and have not been transparent in the past regarding their online banking system and other technologies. Please see articles in the XXXX XXXX newspaper in XXXX for reference. Short and simply put, dont trust this bank with your money. They have no idea what the word " Fiduciary '' even means.
07/05/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	FL 32210	Web
I invested {$3000.00} worth of bitcoin to a company that made a really good website that made it seem like I was making profit. It seemed so promising when I first began. once I seen the account hit XXXX, wanted to withdrawal money. I had to send bitcoin to get my withdrawals but I was only able to make 3 completed withdrawals. I was told my account was deactivated due to too many withdrawal requests. I needed the money really bad at the time and the seemed like my only way out at the time. It cost me {$7000.00} worth of bitcoin. Once reactive my account stopped growing. My account manager stopped communicating with me and I began to really start stressing due to my living situation this scam caused me. I asked to withdrawal my entire account of {$41000.00} but was told I needed to get a certificate to show I was the legitimate owner of the account. That cost {$2500.00}. Then I was told I need to hedge my XXXX. Ive spent over {$14000.00} trying to get my money out. Once I completed one thing they asked me to do, there was always something else. I've become financially stressed due to this. It's put me behind majorly, Please help.
08/10/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 320XX	Web	Servicemember
I did not authorize nor consent to the account opened with Vystar. I had an account with Vystar and closed it in XXXX. Today I called to help someone get a personal loan, but I was told by Vystar that I had an account opened in XXXX and had a charge off. I was never aware of this charge off and I refuse to pay it because the account does not belong to me. I spoke with several representatives, and everyone is trying to force me to pay the amount, and no one is looking into the situation and investigating if the account has been fraudulently opened, which it has. I was employed around that time, and I had a job with my income going to a different financial institution. I have never received any communication about this charge off and no one will help me validate the information. I have little knowledge of this debt, and no one is willing to help me resolve the issue. I refuse to pay for an account that is not mine. I want this debt to be out of my name and I do not owe it at all. This is very unfair to me. I have filed an FTC report, which is attached, and I have called and tried to resolve the issue, and no one would help me.
11/19/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 32068	Web
I was told by XXXX XXXX that the loan was denied the loan was denied after being approved and upon signing off on the loan, they backed out because they said I my job wasn't properly described in the loan application. I said I was a truck driver that delived/repaired appliances. I drive a XXXX XXXX to deliver these appliances and it is rated under the XXXX as such. This has actually happened twice with XXXX and Vystar bank. The first time was a few months prior with a business loan. I did not file my taxes due to us waiting on the tax preparer to schedule us in. XXXX XXXX advised us to enter our tax information into XXXX XXXX so that the underwriter could see our tax info. After doing this we were denied because it was off. We told XXXX XXXX that we do not prepare taxes but we did this because our business needed the funds to start our build out of the ice cream shop. We were denied and it made us look like we did fraudulent activity. This is not right. My wife had totalled our car and we have NEVER MISSED ANY PAYMENTS. We needed a car to take back and forth to hospital visits because we were renting a car every week.
06/14/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32806	Web
On XX/XX/XXXX I contacted VyStar because I realized my debit card was missing when I was trying to pay for gas in XXXX XXXX FL. During my report of lost/stolen debit card, the representative reviewed and asked me about recent transactions. I became aware of a bunch of unauthorized transactions done with my debit card and I was transferred to the fraud department. I explained to the fraud department that the last transaction I made on my debit card was at a XXXX gas station in XXXX XXXX FL and that any debit transaction from my debit card was not authorized or done by me. I explained that the following transactions were fraud: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in unauthorized transactions. I waited and they denied my claim without truly investigating. I tried to reopen the claim and send additional supporting documentation such as police report and more but VyStar's online banking, mobile app, and customer support system has been down, unreachable, and/or unresponsive. Thus, having to file a formal complaint on CFPB.
05/27/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32068	Web
VyStar Credit Union embarked on a mobile banking upgrade XXXX XX/XX/XXXX with a stated outage of XX/XX/XXXX - XX/XX/XXXX. They have been unable to bring their systems back online in any meaningful or useful manner in the two weeks since. In an online post on XXXX on XX/XX/XXXX, they stated they were " re-opening '' online banking via web browser only and no app for the stated near-term. What they have provided is an electronic " queue line '' in which you may be XXXX plus in " line '' and will wait for upward to an hours to gain access to sign on screen. In many attempts you will either not be able to log in, log in and only see balances and no transactions or simply have your connection reset to have to attempt the process again. There stance is to use ATMs, their XXXX cal center or go to a brick and mortar branch. I have found two ATMs in my area down when attempting that route, thus causing me to travel several extra miles to look at balances. Call queue times are extraordinarily long as are lines at branches. All of these solutions have financial impact as to the use of fuel and current gas prices.
11/04/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 322XX	Web	Older American, Servicemember
In XXXX we received a mortgage from VyStar Credit Union. Our house was around {$270000.00}. When we went back to the credit union to discuss refinancing our loan in XXXX for extra money to add an enclosure to our house we were told that if the loan they had put together for us was not signed then they would consider foreclosing on our home. We were terrified that they threatened us with this, so we felt in order to save our home that we had to sign, we had no choice. They gave us no choice for anything else. Our interest rate changed from 4.5 % to 4 % but later we found out that the loan was not for XXXX years but for XXXX years. The payments were only {$330.00} lower a month. I feel that this tactic that they used on us was illegal and without merit. After paying on our house since XXXX, 19 years, we still owe {$280000.00} on the mortgage. My statements still state that I have a XXXX fixed loan, not anything more than that. I want them to explain why they chose to go to such extreme measures to secure a loan. It was in their best interest, not ours. Please advise,
08/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32606	Web
XX/XX/XXXX VyStar Credit Union charged me an extra {$87.00} dollars for collateral insurance on the vehicle. Which made my car payment higher. They simply added on the insurance without informing me until months later. I called XXXX in XXXX and emailed them my proof of insurance from previous months and the month of XXXX. They said they will refund me my money problem solved. I went to make my XXXX payment and the bank teller asked me where is the rest of my payment. I make my payments every month on time so I was confused. She informs me that all my payments have been late and going towards the previous months due to the insurance fee added back in XXXX. I was not informed of them adding collateral insurance to my bill. And now XXXX is saying XXXX cant make my XXXX payment until I pay them the insurance fee. I have insurance on the vehicle and I have proof of insurance from XXXX to XX/XX/XXXX. They are just charging me u fair and unreasonable fees. XXXX is even saying they didnt get my full payment for the month of XXXX. Thats false when I paid them in full and extra.
08/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 344XX	Web
On XX/XX/XXXX or XXXX, 2023, I was doing my " weekly checks '' on my credit cards and saw the erroneous charge against my credit card in the amount of {$4800.00} from XXXX XXXX in XXXX area. My card was in my drawer at home. I first called XXXXXXXX XXXX but to no avail. I then called my bank, ( one of MANY times ) through the course of my calls, I was put on hold, hung up on, given false names of the people I was talking to, and once I was even given a " made up '' claim number. Two days ago I did get to still another person that actually gave me " another '' claim number and told me that someone would be contacting me, but they could NOT send me an email concerning my interaction during this call. TWO days later, STILL NO call ( s ) and still NO notation on my online account that this amount was in dispute. PLEASE help me! It has been 10 to 11 days since I first reported this to my credit union, and still no respect to their account holder. Their motto is " We NEVER forget that it is YOUR money '' - Obviously, in this case, they have!
02/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 32210	Web
On XX/XX/2022 my XXXX and I applied for a personal loan in the amount of {$20000.00}, in order to consolidate our credit card debts into XXXX monthly payment. Unfortunately we were denied. The VyStar credit union stated our debt to income ratio was to high. The problem we both have with this is the fact we pay our bills on time and never late. We even have a car payment with VyStar credit union, which is on time or payment is made early every month. I'm just wondering if this credit union is suppose to be there to help the people, where is the help? We reached out to them in order to better our lives and situation and was denied the help we truly needed. I do understand the debt to income ratio being high but that's because of the credit cards. We received a phone call on the same day we applied stating we were denied and they also stated we should close our credit cards. I myself know first hand that you should never close out your credit cards. I feel they don't trust there customers at all but they want us to trust them with our money.
05/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL 32258	Web
I have an account through VyStar Credit Union, as Im sure many others have complained. Their online AND mobile banking has been down since XX/XX/XXXX, this includes bill pay etc this is almost two weeks. They say their online was working although when you try to log in, it puts you in a que ( I was XXXX ). There were others today that were # XXXX + So you have to keep your browser open for however long it takes XXXX min ( probably hours if youre as high up as in the XXXX XXXX ) and takes you to a log-in screen with NO submit button. So it is still not working even though they promised customers it was. There are ATMs that are down, branches have lines out the door and it takes hours to reach someone by phone. This is the WORST, absolute worst banking experience and they should face some sort of fines for this. Customers can not do business as promised. Even for those who do get in after holding, the online platform does not show details, just amounts. You have no way of knowing if there is fraud on your account etc its absolute rubbish.
01/18/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	GA 314XX	Web
Vystar Credit Union has changed for the worst. I have been with them for over 35 years and in the past 3 years, there has been countess fraudulent activity within my checking account that has become inexcusable. There has been fraudulent activity and the tellers there or reps treat you like you are responsible. The customer follows the rules and the bank will turn around and give the perpetrator your money back. Even when you fight to get it in the first place. As soon as I can leave this bank, I am leaving and will not return as soon as I can get my payroll changed over as they are not able to handle the increase in fraud in America at this time. As a matter of fact, please note there is a fraudulent person working in that particular department by the name of XXXX, the same as the person who stole over {$220.00} from my account on XX/XX/2022. There is over {$890.00} in refunds in limbo that I am missing as this same bank has allowed XXXX XXXX XXXX to steal from me even when I proved that they were not due any of my funds.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32224	Web
XX/XX/XXXX at XXXX, Spoke with XXXX he stated I was 3 months behind. I previously applied for a 3 month deferment back in XXXX of XXXX. I was then told I was assessed fees and my deferrment was approved back in XXXX of XXXX. I waited to be called back by a supervisor named XXXX. On XX/XX/XXXX I spoke with XXXX who advised my late fee of XXXX, then XXXX, then XXXX is what caused the late payment credit report. I asked why did no one call me, or send something in the mail if there was a past due balance? XXXX stated his company is not obligated to call anyone and if they do it is as a courtesy and I should read my contract. I asked why is there an account solutions department that extends this courtesy to other customers but not me when I expressed I was experiencing a financial hardship? XXXX again referred me to my contract. I am disputing the credit report for {$29.00} based on that XXXX never advised me of a past due balance, although they do for other consumers with past due balance, this is not Fair Treatment.
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web	Servicemember
Vystar Credit union claims they charged off a debt of {$140.00} for an account that was not mine yet they report it as a bad debt against me. The account XXXX was my father 's checking account, not mine. Vystar closed the account immediately once he was deceased without notifying anyone. Apparently this caused overdrafts for auto payments totaling {$140.00}, but rather than alerting anyone in our family they instead reported it to the credit bureau. Had they attempted to resolve with my father 's estate, it would have been paid promptly. Once my brother ( the executor of my father 's will ) discovered that this amount was overdraft from seeing it on his and my credit report, he went to Vystar and paid it in full. We have a receipt for this which we have produced multiple times to XXXX and to the credit bureau to no avail. I have tried multiple times to get Vystar to remove this bad report because : XXXX. They didn't have to charge off the {$140.00} ( it was paid ) XXXX. It was my father 's bank account NOT mine
06/02/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	FL 33134	Web
Vystar Credit Union ( XXXX XXXX XXXX XXXX, VyStar XXXX, XXXX, FL XXXX, XXXX ) mobile and online banking systems have been entirely unavailable since XX/XX/2022. Since then, members have been unable to check account balances, move money, or pay credit cards. Further, transactions were completely stopped for an entire week. On or about XX/XX/2022, Vystar sent notification to its members that internal transfers were still unavailable, but credit payments could be made through an external transfer. However, access to online accounts is still virtual impossible, with online queue times over 4 hours simply to log into accounts. Further, all money management operations have been unavailable. As this is a regional credit union, suggestions to visit branch locations have been impossible for me, and I am sure other people. Telephone help and money management also has been virtually unavailable. I can not access my money, pay off my credit card, or pay my bills because I can not access my accounts.
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 315XX	Web
XXXX added a fraudulent address to my credit report that had already been reported and removed for fraud. XXXX is also using this fraudulent address to keep fraudulent accounts on my credit report. Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on XXXX behalf. XXXX stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/XXXX, XXXX
03/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32738	Web	Servicemember
I had a lease with XXXX XXXX and I sold it to buy a vehicle with XXXX dealership from XXXX FL. They sold me a vehicle and charged me a total amount for it of {$42000.00} on a car originally priced at XXXX. They added XXXX on top of the car which are not taxes. There was some additional services and protections that I added but I also ended up paying a market adjustment on top of that as well then they placed me on a 84 month term to bring my payment to {$630.00}. They never indicated that they were adding a market adjustment to my loan which is absurd and I honestly thing that is theft because they are charging me for something that I don't have t to pay. Because of this issue now I am XXXX over and I wanted to change my vehicle to a SUV and I can't because of this issue. This was not done with my knowledge or consent. They actually told me in another dealer that they scammed me which is so horrible to do and I don't even think that is legal to do.
06/10/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 320XX	Web
My mother 's card was stolen from her after she passed away but before officers and medics arrived on scene. I notified the bank that hee card was missing and they confirmed that it had been used numerous times sent her death. However, they said that they could not do anything until I became appointed as the personal representative of the estate through the court system. I voiced my concerns about the lengthy process and they assured me that they would still rectify the funds because this was a special circumstance. I completed that process and submitted all paperwork appointing myself the representative of the estate and requested the records which took months and many phone calls, voicemail, points of contact to finally receive. It was then i discovered almost {$800.00} of fraudulent charges that continued months after her death. At that time it took them just a few days to decide that they would not rectify the funds at all.
06/15/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32207	Web	Servicemember
On XX/XX/XXXX VyStar credit Union overhaul their mobile banking it crashed. It is now XX/XX/XXXX Mobile banking is still inoperable. VyStar and any other mobile banking at this point everyday necessity five stars Mobile banking has been down for exactly one month today as myself and anybody else that uses we are hindered severely I understand this is a major glitch I may or may not change credit Unions at this time but mobile is vital. I am hindered because I can not see my account I can not move money properly where I needed to be I have children who do not live with me and pay child support to them I have bills that need to be attended to or monitor and I am just hinder all the way around without It I have been in overdraft in my account several times a the banking new version crashed my worst fear is not being able to pay a bill and or going into default somewhere financially which would definitely affect my credit score!
04/07/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	FL XXXXX	Web
On XX/XX/2023 I made a transfer of {$50.00} from my savings to my checking BEFORE I made a purchase to XXXX to ensure the money was in the account. On XX/XX/2023 Vystar Credit Union debited my account for a courtesy pay in the amount of {$29.00} ; however, there was nothing for the credit union to cover because I put the funds in the account. I have screen shots of my account AFTER making the transfer and it looks like someone intentionally tried to withdraw {$50.00} from the checking account but the funds were debited from the savings account. This has happened three times in 14 days and the last time I reached out to Vystar to have the fee reversed the customer service representative told me that it would be the last time the credit union would reverse the fee. The financial institution is charging bank fees to customers when no courtesy pay has occurred.
04/12/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	FL XXXXX	Web	Servicemember
On Sunday, XX/XX/XXXX my son made a mobile deposit for a check into a savings account that has both of our names on it. The next day, I noticed the check was on the account 3 times, I told my son to call VyStar to resolve the issue and reverse the XXXX extra deposits that were pending. VyStar representative confirmed the issue would be fixed on XX/XX/XXXX. On XX/XX/XXXX, Vystar reverse the deposit but has incorrectly charged a fee of {$8.00} for an error made in there system. They have also made the account negative even though the funds should be available for the check deposits on XX/XX/XXXX and reversed the deposit amount that was posted in error. My son has not withdrawn any money that was posted in error and does not have access to his funds. This credit union is engaging in practices that harm their customers financially when they make such errors.
02/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CO 80110	Web
My loan was transferred/sold to VyStar credit union and has been on auto-pay the entirety of the loan. A year ago, the autopay feature broke and a payment was missed as a result. When I reached out to resolve, they helped me set up a new autopay but did not explain that the automatic payment would not catch up the missed payment due to the broken autopay. I have sent numerous emails, chats, and spent hours on the phone trying to get an answer and they just tell me there is nothing I can do yet they refuse to provide any documentation on my issue for my review or any acknowledgement of my previous outreach trying to get the issue solved. I never asked to be their customer, my loan was sold to them, then their autopay broke and dinged my credit. I've been desperately trying to speak to someone to solve this and VyStar has avoided helping me.
05/18/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	GA 30005	Web	Older American
I am a member of Vystar credit union for over 12 years I dont live in XXXX XXXX , and I am trying to access my account to wire the funds to my account in XXXX XXXX and the bank each time I call comes with three different stories. 1. The bank says the account doesnt longer exist 2. The other time the person in customer service access the account and wired the money to my bank in XXXX XXXX but I never received the funds and a day later another banker said they cant give me any information. I feel the bank stole my money since they know I live abroad and I am only temporary back in USA and they deny my right to access my account even after passing all the verification they asked for. The account should have over US XXXX that I cant access and I need an immediate solution and retrieve and cancel this account.
04/17/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL XXXXX	Web	Servicemember
On Sunday, XX/XX/XXXX the bank post dated a debit for XXXX XXXX XXXX in the amount of XXXX and charge me a fee of XXXX, both were dated XX/XX/2023 which is Monday! The recurring charge from this merchant is XXXX ; not XXXX. I had XXXX in the checking account prior to the transaction of XXXX being forcefully posted for XX/XX/ on XX/XX/XXXX The corrupt banking practices of the credit union is outrageous at this point. This is retaliatory behavior as a result of my reports to this agency. The credit union transferred funds from my savings account to my checking account and their was still a negative balance. I made a transfer on my own and the account somehow erased the transfer the processed by the credit union. I had to make another transfer to ensure my account wouldn't be negative.
08/08/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	FL 320XX	Web
XXXX and theyre bank XXXX let someone open an account in my name and withdrawal funds from my account and wont do anything to help the situation. I cant get a hold of a live person and they wont respond to my via email anymore. XX/XX/2021 XXXX XXXX Charged me XXXX XX/XX/202XXXX XXXX XXXX Charged me 3 seprate times all for XXXX each adding up to XXXX XX/XX/2021 - XXXX Charged me twice for XXXX each adding up to XXXX that day XX/XX/2021 XXXX XXXX Charged me XXXX and again for XXXX. I few months later when i was doing my taxes i noticed the funds missing. My bank did a investagation but was unable to do anything since it had bee so long. I contacted XXXX multiple times and the refuse to do anything even though they have since locked the fraudulent account and know it was fraud.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32223	Web
I am Having an issue with Vystar credit union, I had went into the bank and had my account setup to send money to my savings with an external automatic transfer every month so that my savings account would pay my credit card bill automatically and in the process my account which has always paid my balance in full was hit with my card having a XXXX dollar balance which for having every payment on time for the last few years of the account had dropped my credit score from a XXXX to a XXXX after putting a late payment on my record. This is my first late payment and the problem was with the automatic billing but I do take responsibility for the problem as I didn't check in on the account until it was too late. I was looking for forgiveness on my credit score.
08/09/2023	Yes	Checking or savings account Savings account	Opening an account Account opened as a result of fraud	FL 34952	Web
My name is XXXX XXXX. My s.s. # is XXXX. My DOB is XX/XX/XXXX. On XXXX XXXX I received a credit alert via XXXX to advise me that a account was open with Vystar Credit Union. I called this bank and initially they advised me that they can not close the account until I file a police report. I ran to the police station and filed the report. The case number is XXXX. The officer is XXXX XXXX. Her badge # is XXXX. Her phone number is XXXX. Finally once I left the police department, after pleading with the bank, they agreed to place a hold on account and advised me that they did not see any activity other than a deposit of {$5.00}. Im very concerned as my husband and I have had very weird incidence since our information was compromised with XXXX XXXX in XXXX.
07/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 32210	Web
HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( VYSTAR CREDIT UNION ) WHICH CURRENTLY HAS A BALANCE OF {$2200.00} THAT WAS OPENED AS FRAUD, I AM CURRENTLY A USER AUTHORIZED BUT I DON'T NEVER AUTHORIZE BEING AN AUTHORIZED USER I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
05/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL 320XX	Web	Servicemember
We can not access any of our account information with VyStar Credit Union for over two weeks now. Bill pay that we are signed up with is not processing any payments. Some of our deposits are not being credited to our account. I requested a print out of transactions via email because the hold time has been 2+ hours and they sent me someone elses account information including account number and everything. This makes us all very worried about the security of our accounts. XXXX XXXX sits on both VyStar and the XXXX board which is the vendor VyStar invested XXXX XXXX into for this new online banking debacle. That has to be a clear violation and conflict of interest. This is a mess and I can not operate my business without online access to my money!
06/10/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 32164	Web
Back XXXX, my bank systems were down from XXXX to XXXX of XXXX. In this time I did not have much access to my accounts. During this time they marked my auto loan account as 30 days late for each month their systems were down. I reached out to the bank on two different occasions with them basically telling me its nothing they can do about it and they were not going to change anything they reported to the credit companies. I reached out to them in XXXX of XXXX as well as XXXX of XXXX. All payments were made once I had access to my account. It is not my day that the bank systems were down that long and I should not be punished for problems on their end. This is not a problem with the credit companies, but the loan holder and their fairness
05/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32205	Web
VyStar credit union rolled out a new & updated app and online banking platform ( yes, both at the same time ). Neither work. Every account of all users is completely inaccessible for TWO WEEKS now. The only way is to go into the bank, call or atm, but you can not see your transactions. The CEO & other executives refuse to address members. They have only spoken to the local news to spin. Its further concerning that they have used an IT start up located in their offices in downtown town XXXX called XXXX. They are the only client of this XXXX company and multiple VyStar credit union executives sit on the board of this start up XXXX. They awarded their own start up XXXX XXXX to handle this botch job. Smells of self-dealing to us members.
05/22/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32082	Web
Vystar Credit Union, XXXX, FL has had the online banking services down and unaccessible to all customers since XXXX XXXX. Further, while a major upgrade of all online services was planned and executed, the CEO had a planned vacation. CEO was not local during major upgrade and the upgrade has been nothing but a failure with more thousands of people unable to access their accounts to change bill payments, make transfers to cover shortages, check balances, and schedule bill payments. Prior to this upgrade, XXXX XXXX was down for a full week. I have been unable to change existing or schedule new payments for two weeks. This is negligence and every Vystar customer should be provided with relief. The CEO should be penalized.
05/17/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32257	Web
The VyStar Credit Union mobile and online platforms have been down FOR DAYS! I can not see my paycheck, what bills have been paid, my balance and it is not allowing me to make my financial decisions because I can not see what is in that account. Not knowing may cause me to bounce funds where I normally wouldn't bounce a check. I can't transfer money or anything. The only way to get service is to call the XXXX number but it is impossible to get through because EVERYONE is calling. There is a message saying it will be up soon, but it has been that way for 7 days. How do I pay my mortgage, car payment, credit cards, medical balls or anything else??? They can't say when they will be back up. Can someone please help????
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32937	Web	Servicemember
Name - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Dire Violation of The Fair Credit Reporting Act ( Vystar Mortgage Acct Number XXXX ), has violated several of my rights. 15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not a treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
01/04/2022	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Non-sufficient funds and associated fees	FL 320XX	Web
I asked for my XXXX XXXX XXXX to be added to my personal checking and savings account. The bank messed up the first, 2nd and 3rd attempt to create this change, which they admit is due to training issues. The errors they made caused my paycheck from my employer to be auto rejected because they froze my account without my knowledge. My employer then had to mail me a paper check. Also, my credit card payments were not made on my auto-pay since they froze my account. This caused NSF fees to be applied. I have spoken and met with the assistant manager XXXX XXXX, Manager XXXX XXXX, Vice President XXXX XXXX, and various other staff, but the NSF fees have not been resolved as of today.
05/22/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32224	Web
On XX/XX/XXXX, Vystar took down certain features of its online banking to update its platform. This outage was supposed to last through XX/XX/XXXX and was only supposed to impact bill pay and external transfers. Now, over a week since the outage, and neither I nor anyone else can get into online banking at all, through their app or through their website. Vystar refuses to provide an estimate on when these issues will be fixed. I rely almost exclusively on online banking for my needs. Not everyone has the time to go to an ATM or visit a branch, or sit on hold for ages for every little thing. And, their customer service hours are still limited. This is outrageous.
06/28/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Confusing or missing disclosures	FL 32034	Web
On XX/XX/XXXX and XX/XX/XXXX I went to Vystar Credit Union in XXXX, FL to cash checks written on that bank. I have cashed checks there before with no problem except for these dates. I was asked for my dl and another form of ID which I provided. Then I was asked to provide my SS # and phone # which I did. The cashier then proceeded to write my address, SS #, DL #, and phone # on the back of the CHECK. Other times the cashier wrote the info on a sticky note and gave it back to me after the transaction. When I asked why this was done I was told I could cash the check at my bank. With all the concerns of identity theft I dont understand why this is done.
05/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32258	Web
Its been two weeks since VystarXXXX has been down. Members have been having an issue assessing their accounts online, including myself and my husband. There was waiting of over XXXX customers the other day just to access their accounts. Transfers are not going through. I have had transfers in place from our business to our household for payroll. Those are not going through. I am getting ready to switch banks but I want to make sure that my money remains safe while we are still banking with Vystar. I also cancelled payment protection with them on an auto loan three months ago and they have failed to reverse the fees and interest incurred from those months.
08/25/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	FL 337XX	Web	Servicemember
On XX/XX/2020 thing I will see from notice in the mail from Vystar credit union that it was my final notice and that my account has been overdrawn for 30 days and that I owed {$160.00}. I did not open this account. I live in XXXX Florida on the XXXX XXXX of Florida and this account is open in XXXX Florida, so I called VyStar credit union who put me in touch with spot investigations at VyStar and they told me to file a report from here and then to send them seven information, such as my drivers license and a written statement that must be notarized hearing that I did not open the account, and they also stated that they were already investigating this case.
09/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 320XX	Web	Servicemember
Vystar Credit Union : I found fraud charges on my credit card. I reported it immediately. It has been months since reporting. They canceled the card right away and sent me a new one. They took off one charge. They put the fraud charge on my new card! Now Ive received late charge notices! I do owe {$44.00} in legitimate charges. I was advised to make a minimum payment to prevent this going to collections!! So I paid {$37.00} as requested. I have to add there has now been a fraud charge on my debit card with the same institution. They have canceled that card. Off to their mysterious FRAUD department. I have escalated this as far as I can to no avail.
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32208	Web
I contacted Vystar Credit Union XX/XX/2022 in regards to two charge off accounts with a cease and desist letter and have not heard back from Vystar about these two accounts. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any media. Pursuant to my rights as per 15 USC 1692c ( C ). I am here by providing you formal notice to cease any further communication regarding this account immediately.
10/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32218	Web
Once again Vystar and XXXX have furnished a negative account on my consumer report after receiving my debt validation, and my demand of removal. The letter stated that if vystar repost on my consumer report without sending me debt validation they were to IMMEDIATELY pay me {$75000.00}. My rights have been violated 15 USC 1692 and 15 USC 1611. I will have the CFPB help move matters forward in collecting damages from both parties. Also if account is charged off, then said account is paid which means it's canceled. 18 USC 8 Please see attachment. That letter was certified sent to VYSTAR CU the account number was from XXXX. XXXX account number is 510750
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web
I file a late payment dispute online on XX/XX/ with XXXX on VYSTAR CREDIT UNION credit card. I found late payment on my credit report, but according to law. I am a consumer and therefore they can not be putting negative statement on my consumer report. 15 U.S. Code 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is against the law for XXXX XXXX XXXX to be reporting late payment on my consumer report. I ask them to please remove the late payment information from my consumer report. This is hurting my report. This is causing me to deny of credit.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32209	Web
In accordance with the fair credit reporting act my rights as a federal protected consumer has been violated. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S 1681 c-2 15 U.S 6802 15 U.S 1681a- 2 Exclusions does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.
02/11/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem with fees or penalties	FL 32233	Web	Older American, Servicemember
I had XXXX in CD at my credit union that I opened up on XX/XX/XXXX for a term of three years. I was so busy this past month that I forgot about the cd is maturing on XX/XX/XXXX. The credit union didn't send me a reminder that my cd is maturing. They automatically renewed my cd for a term of three years at 3.2 %. When I tried to change the term of the cd to a shorter period, the credit union said they'll penalize me with 180 days worth of interest or about {$3800.00}. Is that legal? Other banks or credit unions will forfeit the interest from the the time the cd was opened to the time the term of the cd is changed. Please help. Thank you.
06/26/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 32246	Web
The vystar website has been down for over a month. I have been unable to access my account to monitor my account due to vystar mismanagement of their online banking. Repeatedly customers were assured their funds were safe. I got a text today XX/XX/2022 that I had a fraud for {$1.00} but it was really {$100.00} and Came to find out that this has been going on since early XX/XX/2022. Vystar never caught this fraud when it was coming from CA or WA or NY when I am in FL. In total my fraud has been up to {$250.00} and has been going on since XX/XX/XXXX. I was told that I had more charges that werent even popping up on my bank online account.
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32233	Web
i have an incorrect report on my credit bureau reports. Vystar credit union is reporting a balance of {$5700.00} on a car that was charged off. I settled this with Vystar in XXXX XXXX and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted Vystar ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE HELP!
05/25/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32065	Web
To whom it may concern I bank with Vystar Credit Union in XXXX, Florida. Vystar told the members almost 2 weeks ago that the online banking would be down for the weekend. I have not been able to get into my account in almost 2 weeks. There is no end in sight and no one can tell me when I will be able to get into my account. I am unable to pay bills or see my balance. ATMs were down all weekend and the customers are getting upset. This is unacceptable and should have been rectified weeks ago. The CEO continuously tells us to be patient but it is not their money they can not access or bills unable to pay.
01/24/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31548	Web	Servicemember
The letter that was sent to me states this was for VyStar credit union. I dont owe them a dime me and my husband walked into the establishment and close the accounts. Anything that was owed we paid at that time I have not had an account any other time with this company the only time Ive done business with VyStar is back in XXXX I have never done business with XXXX XXXX XXXX. The correspondence they sent had my maiden name on it. Ive been married for over XXXX years and wouldnt have anything with my maiden name on it. The claim they are coming after me with would be over XXXX XXXX XXXX at this point.
05/17/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32244	Web	Older American
Vystar Credit Union notified all clients that there was going to be an update to the Online Banking and Mobil app. The websites and mobil apps were supposed to be down from Friday, XX/XX/2022 at XXXX pm XXXX until Sunday afternoon, XX/XX/2022. It is now Tuesday, XX/XX/2022 and the website is not up. After many tries, I was able to login. The account balances are not accurate. The available balances and cleared payments do not match what the balances and transactions are when you call on the phone system called XXXX XXXX. Payments that have been made are not showing as being credited to the accounts.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 320XX	Web	Older American, Servicemember
This is about a fraud committed on my VYSTAR signature credit card. There are charges remaining on my card that I reported as fraud many weeks ago. I have a new card now and the original card where the fraud was committed is cancelled. However they continue to roll the charges on to my new account number. They tell me it can take up to 30 days to resolve. Meantime I have around {$10000.00} in charges still posted on my account. This affects my credit score. They should remove the charges and then investigate but they do not. Ive called several times and am told it is in processing. Unacceptable!
05/13/2022	Yes	Checking or savings account Savings account	Closing an account Company closed your account	FL 32250	Web
I had a savings account with VyStar Credit Union. It has a small balance of {$100.00} and the account was closed without notice on XX/XX/2022. I received a statement showing they had charged me {$60.00} XXXX XXXX and another {$48.00} for XXXX XXXX XXXX which brings the account to zero. I received regular statements and the account accrued a small amount of interest ; however, the account was closed without notice. Upon receiving the statement I went to the branch and was told my account was closed for lack of activity and that they should have tried to contact me before closing the account.
10/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NM 883XX	Web	Older American, Servicemember
About XXXX weeks ago, I asked Vystar Credit Union to cancel a secured credit card I had with them. They cancelled it as requested. Vystar is holding a {$2000.00} security deposit as collateral for this secured card. I have repeatedly asked Vystar to deduct any remaining balance which is far less than {$2000.00} from this deposit, and to refund the balance to my Vystar checking account. I have called them repeatedly. I have sent them written requests via fax and mail. I have received no response whatsoever from Vystar, and they continue to hold my deposit without explanation or just cause.
03/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 321XX	Web
I recently was advised that member service at the credit union disputed many more transactions causing much confusion to the fraudulent dispute process. And in turn the fraud department has had no communication with me so I am able to explain the situation. My rental car with credit card information was stolen XXXX XXXX only to find close to XXXX plus in fraudulent transactions. I will be contacting my attorney about the retaliation for making a fraudulent dispute. Does this Credit Union permanent close accounts even with a police report and ftc report. That is a violation of the FTC
07/27/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	FL 322XX	Web	Servicemember
On XX/XX/23 I XXXX XXXX XXXX XXXXXXXX {$710.00} from XXXX XXXX XXXX XXXX to her Vystar account via XXXX. The money was sent in error. I contacted XXXX XXXX and she contact Vystar to reverse the transaction as she had just made changes to some of her personal contacts and didnt have access to XXXX it back. On XX/XX/23 XXXX saw the funds removed from her account at Vystar. The funds have not been returned to my account at XXXX XXXX. XXXX and I have spoken to Vystar and XXXX XXXX together and neither institution can see where the pending {$710.00} is. XXXX has been unresponsive.
08/30/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32068	Web
Charges are hidden from my transaction list, until the charge is posted. It is deceptive from whats actually in my account. This has caused me to have number outs over draft fees. This isnt like a tip that you dont seem until the transaction post, because you can still see the price you pay for the food. Its not like a gas charge that shows {$1.00}, then the whole {$50.00} post. There is no transaction then all the sudden, I see my money is gone and transactions that are mine are reflected when they previously were not. The available and current balances reflect the same.
08/26/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	FL 32073	Web
My name is XXXX XXXX I have my cousin XXXX XXXX went to vystar was try to get a bank account because hes not XXXX they didnt want to open the account for him he came to me and asked me if I can put him on my account I vent to vystar with him I added him on my account he took four fake checks from someone and deposited on my account. Each checks are XXXX each and they had his name on them. When Im trying to get in touch with him to return the money he cut communication with me and he ran away. Im seeking for help because I dont want vystar to report fraud on my credit
07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32244	Web
There has been an incorrect fraudulent balance on an old vystar account the balance is supposedto be XXXX and permanantly removed from collections. The account got hacked since my socialsecurity and id got compromised and some fraudulent charges were made in the amount of {$2700.00}. I have over 100 hours on the phone with the company and they continue to be non-compliant in helping a customer resolve the matter. This need to be removed immediately as i will not be responsible for charges i did not consent to. And also they have the wrong address on file.
06/13/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 33928	Web
I have received a letter from VyStar Credit Union about opened ( probably XX/XX/2023 ) checking and savings accounts on my name which I never opened at all. I called to the VyStar Credit Union asking them to close these accounts but they told me that I have to file police report and send them a copy of that report. Only after they will receive police report from me they will close these fraudulently opened accounts. I never had anything like that at any other banks or credit unions. I want to close both fraudulent accounts as soon as possible.
10/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32210	Web
The company used against me the following 4 Key factors they are saying had adversely affected my credit score : 1 ). Number of accounts with delinquencies 2 ). Too few accounts currently paid as agreed 3 ). Length of time accounts have been established 4 ). Time since delinquencys is too recent or unknown These are the 4 reasons I was denied and all of them are lies. These reasons are untrue and doesnt actually portray my credit report or me. I actually feel they made up that scrap because they noticed from my ID I was a XXXX male.
11/15/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 34491	Web	Servicemember
i paid bills with checking account i sent 2 checks out XXXX XXXX they did not cash checks till XX/XX/XXXX ok they cashed them but said there was no money in account they lie .they have said ach payments i make can take over 15 days there are bills they have never paid but they sure as XXXX have taken money out.they charged me ach fees and blamed XXXX XXXX who dont charge fees when used to buy from apple they have ruined my credit oh and about XXXX XXXX the teller laughed at me when i said your a liar and i proved it
04/03/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 32164	Web
I accrued late payments on my credit report due to the Covid-19 pandemic, after returning to work, all monies due were caught up. I have continued to make payments timely. I am looking to remove late payments remarks as it was a result of job/hours decreased due to pandemic. The company is Vystar Credit Union for XXXX XXXX XXXX. XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Late payments were 30 days late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2021
05/26/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	FL 337XX	Web
Vystar Credit Union in the news for massive incompetence corruption has OUTRIGHT LIED to me about getting me my final balance from my account I closed with them. I was referred to one XXXX XXXX who does NOT answer his phone all week at the bank and XXXX XXXX who told me she was over-nighting my final check certified overnight -- it never arrive and XXXX XXXX never answered her phone again. Then I was told when that failed that they were wiring me the money -- - that never materialized either.
08/08/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 31558	Web
On XXXX XXXX i called vystar Credit union member service dept to send me a new debit card. agent XXXX ordered new debit card i was told in 10 business days. i waited 10 business days.the card never arrived i called the same member services phone number on XX/XX/XXXX i talked to agent XXXX cancelled the order for the card that never XXXX ordered new debit card.i was told 10business days.i waited again.today is XX/XX/XXXX the card still has not arrived. im requesting that the card be sent via XXXX
05/17/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32259	Web
VyStar Credit Union sent notice to customers its app and online banking systems would be down from Friday night XX/XX/XXXX to Sunday afternoon XX/XX/XXXX. As of Tuesday morning access to accounts has not been restored and their phone center and branches are massively backed up due to this outage. VyStar is inhibiting customers from accessing accounts, bill pay, XXXX transfers and basic reconciliation processes. They have not been transparent on an XXXX to fix and this is harming consumers.
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32233	Web
In accordance with the fair credit Reporting act XXXX Account for XXXX XXXX AND VYSTAR CU, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 46.0K
05/13/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 322XX	Web
On XX/XX/2022, my wallet containing my debit card and bank information was lost and I received an unauthorized charge of {$540.00} on my debit card. My bank is refusing to dispute the transaction and refund me because they claim my pin the chip were used. However I did not make this transaction. I attempted to contact the merchant but they stated they were only able to refund fraudulent online purchases and this purchase was made in-store.
05/27/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32129	Web
Vystar Credit Union - It has been nearly two weeks since VyStar began experiencing issues with online banking. The system went down on XX/XX/XXXX for a planned conversion to a new platform, as of today their systems are still not operational and the wait time to speak with a phone operator is over an hour. I have not been able to check my balances, can not transfer funds and have had electronic payments previously set up refused.
05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
In accordance with the fair credit reporting act XXXX account has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B A creditor can not treat a payment under aN open end consumer Credit plan as late For any purpose
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34748	Web	Servicemember
I have called Vystar since XXXX for an update on my account. I was finally told the account had a XXXX owed after i was told for three months of it reporting as missed payments with a XXXX balance on all three agencies. I went to the branch and paid the single XXXX and it is still reporting as a missed payment with a XXXX balance on all thre agencies. This has taken my score down gerastically
02/10/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 32606	Web	Servicemember
My account was charged off however when I tried to make payments online I also get a notification stated that the website is either down or under going maintenance. I have had to fly back into the XXXX XXXX to make a payment directly. I never gave vystar written consent to furnish anything to my credit report. Please remove the charge and allow me a few day to make my payment in full.
07/14/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	TX XXXXX	Web
They launched a new mobile platform 2 months ago. We were locked out of accounts for a month, finally got online backing back up with limited functionality meaning besides checking balances I have to call to move money which is taking up to 3 hours to get a hold of bank rep to get things done in account each time. In a given week I have 5-10 hours trying to get a hold of the bank
06/01/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32068	Web	Servicemember
" The company continues to not provide access to my accounts and accounts have been in the negative and many of my friends and family, and people in the community are having issues and Vystar credit union continues to doing nothing. This has reached the media and nothing is being done. My wife and my direct deposit is not even being received and we have bills to pay.
04/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 32218	Web	Servicemember
I set up auto pay in XXXX, but the billing did not occur until XXXX and another payment was submitted in XXXX. The payment for XXXX was never actually submitted at the time of my auto payment subscription. I spoke with the bank ( Vystar credit union ) and paid my XXXX bill. They refunded me the late charges and said to submit a dispute here to get it off my credit.
06/06/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	PA 183XX	Web
I opened my VyStar checking and savings account on XX/XX/2023 on line. It was funded by ACH from an external account. Vystar is reporting to XXXX XXXX XXXX that the accounts were overdrawn on the dates below. The account was never overdrawn. I called VyStar 's customer service and they said it would be corrected but my recent report shows differently. XXXX XXXX
07/19/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	FL 32092	Web	Servicemember
Starting about 5 years ago - vystar continues to charge a nsf fee when a creditor tries to pull a payment that i didnt realize was due & then they double charge & trible charge EVERY time creditor tries to pull. Its XXXX XXXXXXXX. If the funds arent there- it should only be XXXX fee. XXXX XXXX XXXXXXXX just got hit for doing this EXACT same thing.
05/23/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	CO 80211	Web
I have not been able to access my online accounts for over 11 days now. I can not see any transactions, account balances or any other information through online banking. Additionally, I can not see or make any payments towards my credit card through this bank. VyStar has provided no timeline as to when I can expect to access my accounts again.
01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32244	Web
Vystar has reported this account to the CRA without my consent causing me problems for my bettering my future as well as being denied for any credit. It is against consumer law to report to the Credit reporting agencies and without my consent. I have never given them any written consent to share my PERSONAL information to any third parties.
08/24/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 32244	Web
I was denied a personal loan by Vystar Credit Union unlawfully under the EOCA and 15 usc 1681n.After filing out loan application on Vystars online banking app I was informed that I was denied for no lawful reason even tho a inquiry shows on my credit report indicating that a consumer transaction took place.
06/16/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	FL XXXXX	Web	Servicemember
This credit union is charging courtesy fees for no reason. My account was charged a {$29.00} fee for no reason on XX/XX/2023. The bank contact is out of the office until XX/XX/2023 and the customer service representatives will not correct the issue. There was no reason for a fee to be charged on my account.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 324XX	Web
On XX/XX/2023 I received a letter in the mail from VyStar Credit Union stating that an account was in the negative - XXXX I've never heard of this Credit Union and where I live there is no VyStar.. I called the company and they told me to report it to the local police and my bank, also report it as fraud..
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 322XX	Web
I did not consent to, benefit from or authorize any of the following Account XXXX XXXX XXXX Account : - {$400.00} Vystar credit Union- Account - {$470.00} XXXX XXXX XXXX Account XXXX {$2500.00} XXXX XXXX XXXXAccount- {$420.00XXXX XXXX XXXX XXXXAccount- {$900.00}
06/24/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 32606	Web	Servicemember
I do not owe money to this bank. I called the bank and they refused to speak to me regarding this fraudulent account balance. They hanged up the phone on me. They are refusing to speak to me regarding this issue. Please remove this account from my credit report.
12/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	FL 32221	Web
The company has violated the 5 year Statue of limitations and filed a motion to garnished my wages. Before, reaching the statue of limitations, I have attempted to work with the creditor and they rejected my offer to resolve this matter.
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32244	Web
I submitted a complaint to the CFPB in XX/XX/2023, they responded to my complaint that it is being reported correctly and that I gave consent to report in the contract. They failed to provide me with any documents with my wet signature.
12/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. XXXX XXXX XXXX XXXX XXXX
10/16/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 32218	Web
This is the final attempt to cure. I have asked vystar to remove negative items off my credit report. No signed contract with my wet signature was given. No written consent was given to furnish negative items on my consumer report.
05/23/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 327XX	Web
VyStar Credit union mobile & online banking has been down for over a week with no transparency to what is happening. Their " XXXX XXXX '' phone system & ATM do not differentiate between personal, joint, or business accounts
12/05/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	FL 32068	Web
On XX/XX/2023 I went to vystar to open a savings account I was unable to open the account because they told me I had owed {$200.00} on a checking account which I have no knowledge of opening a checking account with them
05/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 320XX	Web
Vystar Credit Unuin 's website and mobile banking have been down for over 2 weeks. Not having direct access without having to go to a branch has crippled my ability to manage my personal and business finances.
05/23/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32043	Web	Servicemember
An ongoing ( since XX/XX/13 ) online and mobile banking outage at VyStar Credit Union has left members unable to check their account balances and is interfering with their ability to make payments,
11/14/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	FL 33570	Web
In adequate support, support services had not define a clear path to resolving the problem. It will be 3 weeks without access to XXXX in order to make timely payments and transfers
02/26/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92869	Web	Older American
Several problems with mortgage company paying my XXXX XXXX and XXXX XXXX. Will not allow me to take over payments. I have sent an attachment which outlines the issues.
05/17/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32073	Web	Servicemember
Vystar credit union launched new app and website. Took old down. Systems were supposed to be down 3 days. Going on 5 now with inability to access accounts.
12/22/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	FL 32086	Web
I was the victim of a scam using XXXX. The financial institution said they will not refund the amount because I authorized/ initiated the transaction
04/23/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	FL 326XX	Web
Between XX/XX/22 and XX/XX/22 I was charged 4 NSF and overdraft fees by Vystar credit Union. They refunded one, but refused to refund any more.
05/22/2022	Yes	Checking or savings account Savings account	Managing an account Problem making or receiving payments	FL 32127	Web
Vystar had a scheduled 2 day outage now going on 8th day no way to check account XXXX XXXX deposits not going through and they have no answer
10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
Reporting my utilization is illegal and charged me a XXXX fee for my money I called and ask if they can close the account.
05/27/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32250	Web	Servicemember
Online banking was taken down for upgrade 14 days ago. It is still not working.
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32209	Web	Older American
The credit report information on my files is inaccurate.
01/29/2024	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	FL 32025	Web	Older American, Servicemember

01/29/2024	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 32224	Phone	Servicemember

01/29/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 32725	Web

01/24/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33841	Web

01/23/2024	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	FL 32207	Web	Older American, Servicemember

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web

01/20/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 322XX	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web

01/15/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 320XX	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32210	Web

01/12/2024	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	FL 33067	Web	Servicemember

01/11/2024	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL 32223	Web	Servicemember

01/11/2024	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	FL 32043	Web

01/11/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32043	Referral

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MA 01810	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 320XX	Web

01/09/2024	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 32073	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32208	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 32244	Web

01/04/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32065	Web

01/03/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32136	Referral

01/03/2024	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32244	Web

12/28/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process Escrow, taxes, or insurance	FL 32092	Web

12/27/2023	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	FL 322XX	Web

12/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32207	Web

12/21/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32277	Phone	Older American

12/19/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	FL 32217	Web

12/19/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	XXXXX	Referral

12/15/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75056	Web	Older American, Servicemember

12/15/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32277	Phone	Older American

12/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	FL 32839	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23434	Web

11/30/2023	Yes	Checking or savings account Savings account	Managing an account Problem making or receiving payments	FL 32168	Referral

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32218	Web

11/28/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32208	Referral

11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30213	Web

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web

11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32222	Web	Servicemember

11/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	GA 30555	Web

11/16/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	SC 29732	Web

11/15/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 32218	Phone

11/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32065	Web

11/10/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 32073	Web	Servicemember

11/10/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Charged too much interest	LA 71112	Web	Servicemember

11/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Incorrect information on your report Information belongs to someone else	GA 30039	Phone

11/06/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	FL 32206	Web

10/25/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	FL 34711	Referral

10/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32082	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31313	Web

10/05/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	FL 32177	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32206	Web

10/03/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	FL 32223	Web

10/02/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process Payment process	FL 32003	Referral

10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94043	Web

10/02/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	FL 32208	Referral

09/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 32011	Web	Servicemember

09/22/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33157	Web

09/21/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32244	Web

09/13/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 32206	Web

09/12/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	FL 320XX	Web	Servicemember

09/12/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32222	Phone

09/12/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	FL 33169	Referral

09/06/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem with renewal	FL 32092	Phone	Older American

09/04/2023	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	FL 33414	Web	Servicemember

09/01/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32207	Web

08/31/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 33756	Web

08/30/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 32120	Web

08/25/2023	Yes	Checking or savings account Savings account	Incorrect information on your report Account status incorrect	PA 18328	Referral

08/23/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 32352	Referral

08/22/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 34470	Referral

08/16/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	FL 32257	Web

08/16/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32034	Phone

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32226	Web	Servicemember

08/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	ND 58102	Web

08/14/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32259	Phone

08/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 31569	Web

08/07/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NY 10562	Web

08/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32226	Web	Servicemember

07/31/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	IL 61201	Referral

07/28/2023	Yes	Checking or savings account Checking account	Incorrect information on your report Account status incorrect	GA 30294	Referral

07/26/2023	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	FL 32210	Referral	Older American, Servicemember

07/25/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 32189	Web

07/25/2023	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	DE 19804	Referral

07/24/2023	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NY 10003	Referral

07/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 32277	Web

07/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 32277	Web

07/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 32226	Web	Servicemember

07/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30135	Web

07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32244	Web

07/05/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	FL 32256	Web

06/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	MD 20770	Phone

06/25/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 32222	Web

06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30312	Web

06/23/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 34243	Web

06/20/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 32233	Web

06/15/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32206	Phone	Servicemember

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32210	Web

06/09/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32063	Web

06/06/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32137	Referral

06/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32207	Web

06/05/2023	Yes	Checking or savings account Savings account	Managing an account Cashing a check	FL 32189	Referral

05/29/2023	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	FL 32210	Web	Older American, Servicemember

05/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 32236	Web

05/25/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 32222	Referral	Older American

05/24/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	GA 31313	Referral

05/22/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Late or other fees	FL 32177	Web	Servicemember

05/20/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 62821	Web	Servicemember

05/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 92106	Web

05/15/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 32129	Referral

05/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33578	Web

05/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33513	Web

05/05/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32757	Phone

05/03/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32073	Referral

05/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	MD 20770	Phone	Servicemember

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32244	Web

04/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33569	Referral

04/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32258	Web

04/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 32176	Referral

04/18/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32244	Referral

04/13/2023	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	OK 74055	Referral

04/09/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32068	Web

04/06/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 32063	Referral

03/31/2023	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Non-sufficient funds and associated fees	FL 32223	Phone	Older American, Servicemember

03/29/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 33569	Referral

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33712	Web

03/22/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	VA 22181	Referral

03/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 32068	Referral

03/16/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 32216	Referral

03/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 32176	Phone

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32210	Phone

03/06/2023	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	FL 32065	Web

02/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	MD 20770	Phone

02/22/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NC 27203	Referral

02/13/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	CA 94109	Web	Servicemember

02/03/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL 32177	Phone

01/30/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32073	Phone

01/30/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32927	Referral

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34744	Web

01/25/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WV 25136	Referral

01/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 32043	Referral

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80134	Web

01/19/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	FL 32926	Phone

01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32225	Web

01/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32258	Web

01/11/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 32738	Web	Servicemember

01/05/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 32073	Phone

01/04/2023	No	Checking or savings account Checking account	Closing an account Funds not received from closed account	FL 32073	Referral

12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92532	Web	Servicemember

12/16/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32210	Phone	Older American, Servicemember

12/07/2022	Yes	Checking or savings account Savings account	Managing an account Banking errors	FL 32771	Web

12/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32763	Web	Servicemember

12/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32084	Web	Servicemember

11/23/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32606	Referral

11/17/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	FL 32224	Web

11/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32034	Web

11/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	MD 20770	Postal mail

11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33125	Web

11/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	FL 32177	Referral

10/31/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	FL 32177	Phone	Older American

10/05/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	LA 70037	Phone	Servicemember

10/05/2022	No	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	FL 32092	Web

10/05/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32068	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32221	Web

09/13/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32159	Web

09/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32068	Referral

09/07/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 322XX	Web

09/06/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	FL 32235	Web

09/01/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32210	Referral

08/29/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32068	Referral

08/27/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32277	Web

08/27/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 93130	Web

08/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	MD 20770	Referral

08/23/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32257	Referral

08/23/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32086	Referral

08/15/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32216	Referral

08/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32092	Referral

08/04/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32256	Referral

08/03/2022	Yes	Checking or savings account Checking account	Incorrect information on your report Account status incorrect	FL 32208	Web

07/27/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 32257	Web

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94123	Web

07/25/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	GA 30009	Referral

07/13/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	TX 78723	Referral

06/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33432	Phone	Servicemember

06/24/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32082	Web

06/23/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32258	Referral	Older American

06/21/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32256	Referral

06/16/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32259	Referral

06/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 32224	Web

06/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 32226	Referral

06/13/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 32092	Phone	Older American, Servicemember

06/13/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32256	Referral

06/09/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32043	Referral

06/08/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32656	Referral

06/07/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32703	Referral	Servicemember

06/06/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32250	Phone

06/06/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	VA 20151	Referral

06/03/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32223	Referral

06/03/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32259	Referral

06/03/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32219	Referral

06/02/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32084	Referral

06/02/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32244	Referral

06/02/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32218	Referral

06/01/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32044	Referral

06/01/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32164	Referral

06/01/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32223	Referral

06/01/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32067	Referral

05/31/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32771	Referral

05/31/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32073	Referral

05/31/2022	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	FL 32068	Referral

05/31/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32205	Referral

05/29/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	FL 32223	Web	Older American

05/27/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	FL 32034	Web

05/27/2022	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	WA 98117	Web

05/27/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32043	Web

05/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32084	Web

05/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32233	Web	Older American

05/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32073	Referral

05/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32244	Referral

05/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32250	Referral

05/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32080	Referral

05/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32217	Referral

05/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32218	Referral

05/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32128	Referral

05/25/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32216	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32034	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32068	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32218	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32221	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32134	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32095	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32065	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32223	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KY 42701	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32065	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32092	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32207	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32259	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32081	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32174	Referral

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32207	Referral

05/23/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	FL 32060	Phone	Older American, Servicemember

05/20/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32221	Referral

05/19/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32221	Web

05/19/2022	Yes	Checking or savings account Savings account	Managing an account Problem making or receiving payments	FL 32259	Web

05/19/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL 32259	Web

05/19/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32257	Web

04/29/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 32257	Web

04/15/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 93130	Web

04/04/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 32084	Referral	Older American

02/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 32256	Web

02/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32221	Web

01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32277	Web	Servicemember

01/12/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	FL 32209	Phone	Older American

01/07/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32206	Phone	Older American

01/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 32250	Web