VyStar Credit UnionReviews of vystarcu.org

We had the misfortune of getting involved with Vystar in November of 2025 when we purchased a home in Florida. The minor problem is getting them to send statements to the correct mailing address. I have gone online in addition to struggling with their insufficient phone system 3 times to have the address corrected with no success. I have been told each time that it was corrected. The huge error they made involved their autopay system. I prepaid part of the principal thru their confusing prepayment online. In addition to the prepayment, they also took out an additional monthly payment which admittedly I did not notice. On March 27 I again struggled with their phone system to talk to someone in their mortgage department to make sure a payment would not be deducted for April 1st. I was told no payment would be deducted so there was no need to stop autopay. When I checked my bank statement on April 2, I see they had deducted almost $700 payment which they were not entitled to and could have caused me real problems if I didn't have the funds. They are totally inept conducting business in their office. I am paying off the mortgage I have with them to rid myself of the problems they cause. I would recommend that anyone who hears the name Vystar, eliminate them from consideration and go with a lender that is more in control of the services they provide.

STOLE MY MONEY AND DEDUCTED MY CREDIT SCORE WHICH HAS BEEN GREAT FOR OVER 10 YEARS! THEY ARE NOT A COMPANY TO TRUST! DO NOT GIVE THEM YOUR MONEY! THEY ARE SUCH LIARS AND WILL STEAL FROM YOU!!!!!!!!!!!!

I would not let these people run my dogs retirement program. Tyler Coe obviously can’t read a message from his security department where I was hacked by the Chinese and he decided to extend a 48 hour hold on each transaction to an indefinite transaction. He literally wiped 200 points off of my credit score because he was such a weak need “manager” about taking any risk and apparently he can’t read a paragraph from his own fraud department. Send the police out on a wellness check on me which was nonsense and actually put an end this is no joke and this is not a typo. Put a 67 year fraud lock on my account. the police came out on a wellness check on me!!! which was nonsense and actually put an end to this Is no joke and this is not a typo. Put a 67 year fraud lock on my Equifax account. I’ve had over an 800 score with Equifax, Trans Union and Experian for over a decade + and in a matter of two weeks because he’s such a risk free, i.e. his risk not your risk. cannot read a letter from corporate and you should not go to him if I was trying to house my dog for a weekend. The damage he did to my credit rating is beyond exclamation beyond explanation, and I repeated that intentionally worthless. Avoid at all costs

Their idea of "customer service" is denying you access to any information about your account. They try to say they are "keeping your account safe" by telling you that all your information is wrong and denying you access. I have complained to corporate and all they do is defend their horrible agents. I've begun reporting every incident to the NCUA. Some of their branch people are so rude I won't go inside anymore. PLEASE.. do yourself the favor of AVOIDING this NIGHTMARE.

Held my refund $ for 2 weeks…. No notice….. paid my cancelled hi, and current hi….. these were both eventually repaid. Increased my mtg pymt from 550$to 1100$ , no explanation…. Found all of this myself….. coj took my Ho exemption w/o notice….. been a fiasco….. finally got my $ back ….. still no notice from vystar….. other than my statement went from 1100$to 698$…. They( vystar )still owe me $$….. will payoff mortgage (2500)$ and cancel anything vystar, and tell others to steer far away from……. Like all businesses since 2021….not the same😡

After being with 121 Financial for over fifteen years they were sold to Vystar, From day one till know I have problems with them. It takes up to twenty minutes to cash a check, any the list of problems go's on and on. I am finding another bank ASAP and closing my account. Save your time, and go some where else!

Recently signed a contract to purchase a home and had a great original lender. Unfortunately, Andy Markley with Vystar came into the picture and offered a lower rate. This would have been wonderful if they hadn't operated in bad faith. During our closing, Vystar demanded that we fix every issue wrong with the home, including a missing mailbox and a door that was slightly crooked... Yes, a slightly crooked door. I'm not making this up. Our personal belief is that they did this because they wanted to push their renovation package, where you only pay interest for a year while you renovate and fix these items. This home was being sold AS IS and they knew that. On top of this, the lack of communication and urgency from the team was abhorrent. Overall, I felt like we were scammed. I'm beyond irritated at the waste of money and time. Louise Workman and Ryan Bailey on his team were also incredible stand offish and difficult to work with. Stay away from Vystar.

I dealt with Artem Trapeznikov at the Vystar CU Bartram Oaks Walk branch......he redid my car loan and helped me with several other transactions. Absolutely fantastic customer service....super polite and answered every question I had. Just a pleasure to work with! Thank you Artem!