VyStar Credit UnionReviews of vystarcu.org

I got a car loan from them a few years back. Car was totaled in an accident and gap insurance paid it off. Skip ahead a couple of years and I keep getting emails saying my statement is ready. I don't know my member number or password anymore since its been maybe 3 years. I called and explained my situation. They said I still have an account, based on my social security number, my phone number, date of birth, and previous address. They have to verify by video and my license. Here's the kicker every time I call I have a 5G 4 bars. Then when they connect for video signal drops to 4G and drops off. They say its something on my end but everything was find until I connect with them. I know its not a million dollars. Their membership fee is $5. They won't even tell much is in the account and said only other option is to show up in person to a local branch. I live in Tampa their branches are in Jacksonville. Im not drive 100's of miles for $5 or whatever amount is there. Worst bank ever. I can even tell them what dealership and car i bought.

Been with vystar numerous years and always had a great experience with the tellers also working with Marilia prestiss has always been great she is very courteous and very knowledgeable and informative she has always helped me with my accounts and answer my question always leave vystar with a good feeling

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.

My husband and I have been with VyStar for about 15 years. We've had two auto loans, a line of credit, a HELOC, credit cards, and our last mortgage with them, all paid in full. We've had our business accounts with them in the past and on average we had about 6 different accounts open at one time, including our retirement accounts. We've never had a late payment, and used them for all our banking and loan needs over the years. To say the least we were very loyal members. We used to love VyStar for their outstanding customer service. They made you feel valued as a member. But with the new changes they've made (and the fact they are growing too quickly in my opinion) they have become more like a bank in recent years and we've had nothing but issues. I understand growth and progress is important for a company, but they've gotten away from what matters with their members and care more about making money. One of the biggest issues we've had is with terrible customer service. The credit union stopped doing a lot of transactions in branches so now that you have to call the call center, the wait times had increased significantly. The biggest customer service issues I've had though has been with their loan officers while trying to secure a loan for a new build. These loan officers are "working from home" but never are actually home when you call during normal business hours. We were given incorrect information on multiple occasions, or they were not communicating vital information at all, which affected our loan process in a negative way. They were always forgetting to return emails and phone calls to questions we had and we were having to resend emails and texts with the same information over and over because they would forget or misplace information. There were inconsistencies with information given by different loan officers all together. They were also making us jump through ridiculous hoops with property we own out right, when no other bank or credit union we spoke to required us to do the same. In fact, the property appraiser and land surveyor had never heard of the things VyStar was requesting in their 30 years of business. We've had them do things like fail to send out expired debit card replacements, and then not allow us to get a replacement printed inside a branch so we had to wait another 10 business days to receive a new card. We've had issues with wire transfers while trying to purchase land (being given confirmation letter that the transfer took place in a branch, but it was never actually initiated). They reported to the credit bureaus that we were a year late paying off our last mortgage when we sold our house. I had to provide documentation that they originally sent me proving we paid our mortgage off as soon as we closed on the sale of our home. We've had ongoing issues with their online banking system after they made changes. The list goes on and on. After much consideration, we were so discouraged by the constant mistakes and lack of customer service, especially trying to to secure a new construction loan with them and reporting errors that affected our credit, my husband and I decided to pull all our accounts and money and go to another credit union. Sadly, VyStar is no longer a member oriented credit union.

Incompetent staff. Don't let them do an IRA for you they will screw it up!

I've been a member of VyStar for about 40 something years. Which means I've been with them throughout the change of their systems; which was somewhat of a rough transition. Prior to joining VyStar I had several other accounts at different banks. I was constantly moving my business due to fees, location changes and ease of access. Then came the opportunity to join VyStar and I never considered moving to another bank. I love the customer service I received at VyStar and would highly recommend them to everyone. I like the fact that I'm able to complete transactions online myself no matter what. I also like that I can call and receive service via customer service representatives who are always professional and very accurate. I really feel that they will fight to protect my money and look out for me in these troubled times we're living. I get a sense of community with Vystar. They're up to date in the services they offer and they do what they do with finesse. I feel like they are evolving with the times and located in all areas of the city. They always notify of scheduled maintenance and in instances of outages they work hard to get back up and running. In and during the system upgrade/ problems, I never thought of leaving VyStar as I feel they're always there for me.

I called VYSTAR to have my statement sent to my email. I explained that I was not able to get my statement online. I was put on hold several times as she stated she was working on it. She said it was sent to my email and waited on the phone. I opened it and it said to go online to download. I explained AGAIN that I was not able to get it online and that's why I called!! Waste of my time!! Now, I have to go into the branch and have it printed. They need to be more respectful of their client's time.