VyStar Credit UnionReviews of vystarcu.org

My experience with VyStar Credit Union has been consistently frustrating and far below the standard of any competent financial institution. After selling one of my properties, every mortgage document associated with the loan disappeared from the online portal. These records are essential for tax and accounting purposes, yet VyStar removed access without warning and has been unable to provide them despite months of requests. Since January, I have spent countless hours being transferred between departments, receiving contradictory information, and speaking with representatives who clearly had no idea how to handle a basic request for past statements. I was even given an incorrect phone number. At one point, I was told the documents would be mailed to me — nothing ever arrived. I was later informed that VyStar does not allow customers to speak with a real person about past mortgages and that email is the only option. This level of disorganization is astonishing. Unfortunately, this is not an isolated incident. I once sent an international wire through VyStar. When the recipient didn’t receive the funds after a week, VyStar told me to “wait another week.” After doing my own research, I discovered the wire had actually been rejected within 24 hours because VyStar entered the wrong account number. Despite the fact that no money was ever delivered, VyStar still charged me roughly $100 when the funds were returned. When I asked why I was being charged for their mistake, the response I received was essentially, “We don’t know — Chase Bank charges us.” In the end, I lost three weeks, the wire never went through, and I ended up paying about $140 for absolutely nothing. Between the missing mortgage documents, the inability to speak with anyone knowledgeable, the incorrect information, and the mishandled international wire, it is clear that VyStar is not equipped to handle basic consumer banking responsibilities. Their internal systems and customer service processes are completely inadequate, and the burden is placed entirely on the customer to fix their mistakes. I will be moving all of my business elsewhere, and I strongly advise others to think twice before trusting VyStar with their financial needs

Another problem with VyStar. A small business and they put a seven day hold on customers checks. Trying to make a business work how can you when VyStar kills you with holds that aren’t necessary.

I've never had a problem at any of the branches, but their online banking is TERRIBLE. It is frequently undergoing maintenance at the worst possible times. They need to hire better I.T. personal and project managers to make the system better. I never experience these issues with other banking apps including Citi, Capital One, Chase and Regions.

They are the worst bank/credit union I’ve ever worked with. I thought banking local meant getting better service and care but unfortunately, that’s not the case. Use any other bank.

Without any reasonable basis or prior notification, the bank terminated my debit card access. After persistence on my part, they issued a written admission confirming the action was a mistake made by them. Despite this explicit acknowledgment of fault, they have declined to cover even a portion of the concrete financial damage—overdraft charges, returned-payment fees, inability to withdraw needed cash—or to expedite restoration of service in a meaningful way. Customers deserve better. Unless you enjoy fighting unnecessary battles with unresponsive institutions, choose nearly any competing bank or credit union instead. That is the choice I wish I had made earlier.

I have been a member since the mid-1970s; at one time, they provided excellent customer service. Since their recent CEO decided he wanted to build an empire, he took money from customer service and used the money to build bih beautiful buildings. It took over 30 minutes to talk with a support person. Their message is "Unusually Long Hold Times." This is not unusual; it is typical for him to be attempting to get an IT issue or security issue resolved.

VyStar Credit Union is the worst I’ve ever dealt with. I paid my payments a year ahead for security reasons In case of losing a job or falling sick, I always pay my payments ahead while still making the monthly payments. VyStar removed all my payments that were ahead and said I was not allowed to have more than three payments ahead. So I was making double payments and It was all for nothing. I would never bank with them. I will never use them ever again. They also have extremely high interest rates.

I have tried to form a relationship; I have pleaded for help and for 3 1/2 years, I was told my account was not able to be viewed online, I have wasted hours/days on the phone, to try and correct the problem; Finally after a Better Business Bureau report was filed, it was fixed. However, the system used is somehow flawed, continuing to not record functions such as set up auto payments, causing issues every month and stress for not knowing if my credit would be destroyed. It was and is a full time job. I have many interactions w/ Vystar and not one took accountability. I would not trust this bank with loans at all, they will ruin your credit if you are not on top of your loan. Pretty hard to do when refused access to your own online account. Do better, Vystar, your treatment was sad, and took a toll on my time that I cannot get back.. Stay away from this institution or you too will experience the lack of concern for your money.