Data / Consumer complaints / Vystar Credit Union
Vystar Credit Union: 932 CFPB consumer complaints in the last 3 years
Vystar Credit Union drew 932 consumer complaints in the CFPB database in the three years to November 6, 2026, and 1,290 since 2022. The largest group, 272, was about checking or savings account, and the most common issue was “Incorrect information on your report” with 164. The company responded on time to 99.9% of the complaints, and 21.1% closed with monetary or other relief. The CFPB records the company as VYSTAR CREDIT UNION.
SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.
- 932Complaints, last 3 years
- 1,290Complaints, all years
- 99.9%Responded on time
- 21.1%Closed with relief
- 9Products
- Oct 24, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 308 |
| 2025 | 358 |
| 2024 | 231 |
| 2023 | 206 |
| 2022 | 187 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Checking or savings account | 272 | 29.2% |
| Credit reporting or other personal consumer reports | 258 | 27.7% |
| Debt collection | 148 | 15.9% |
| Vehicle loan or lease | 85 | 9.1% |
| Credit card | 71 | 7.6% |
| Mortgage | 47 | 5% |
| Money transfer, virtual currency, or money service | 28 | 3% |
| Payday loan, title loan, personal loan, or advance loan | 22 | 2.4% |
| Debt or credit management | 1 | 0.1% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 164 | 17.6% |
| Managing an account | 149 | 16% |
| Improper use of your report | 79 | 8.5% |
| Attempts to collect debt not owed | 57 | 6.1% |
| Problem with a company's investigation into an existing problem | 55 | 5.9% |
| Took or threatened to take negative or legal action | 54 | 5.8% |
| Trouble during payment process | 41 | 4.4% |
| Problem caused by your funds being low | 34 | 3.6% |
| Managing the loan or lease | 33 | 3.5% |
| Closing an account | 29 | 3.1% |
| Problem with a lender or other company charging your account | 28 | 3% |
| Repossession | 25 | 2.7% |
| Opening an account | 18 | 1.9% |
| Problem with a purchase shown on your statement | 18 | 1.9% |
| Written notification about debt | 17 | 1.8% |
| Fraud or scam | 16 | 1.7% |
| False statements or representation | 15 | 1.6% |
| Problem when making payments | 11 | 1.2% |
| Problems at the end of the loan or lease | 9 | 1% |
| Closing your account | 8 | 0.9% |
| Getting a loan or lease | 8 | 0.9% |
| Struggling to pay your loan | 8 | 0.9% |
| Fees or interest | 7 | 0.8% |
| Getting a credit card | 6 | 0.6% |
| Charged fees or interest you didn't expect | 5 | 0.5% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 702 | 75.3% |
| Closed with non-monetary relief | 121 | 13% |
| Closed with monetary relief | 76 | 8.2% |
| In progress | 33 | 3.5% |
States
| State | Complaints | Share |
|---|---|---|
| Florida | 762 | 81.8% |
| Georgia | 82 | 8.8% |
| Texas | 16 | 1.7% |
| North Carolina | 8 | 0.9% |
| Virginia | 7 | 0.8% |
| California | 5 | 0.5% |
| South Carolina | 5 | 0.5% |
| Louisiana | 4 | 0.4% |
| New York | 4 | 0.4% |
| Pennsylvania | 4 | 0.4% |
| Arkansas | 3 | 0.3% |
| Colorado | 3 | 0.3% |
| Michigan | 3 | 0.3% |
| Mississippi | 3 | 0.3% |
| Arizona | 2 | 0.2% |
| Iowa | 2 | 0.2% |
| Illinois | 2 | 0.2% |
| Kentucky | 2 | 0.2% |
| Massachusetts | 2 | 0.2% |
| Maryland | 2 | 0.2% |
| Nevada | 2 | 0.2% |
| Missouri | 1 | 0.1% |
| Montana | 1 | 0.1% |
| New Hampshire | 1 | 0.1% |
| New Jersey | 1 | 0.1% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 24, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 24, 2026 | Checking or savings account | Managing an account | In progress | consumerfinance.gov |
| October 24, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | In progress | consumerfinance.gov |
| October 24, 2026 | Checking or savings account | Opening an account | In progress | consumerfinance.gov |
| October 20, 2026 | Checking or savings account | Problem caused by your funds being low | In progress | consumerfinance.gov |
| October 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | In progress | consumerfinance.gov |
| October 20, 2026 | Vehicle loan or lease | Managing the loan or lease | In progress | consumerfinance.gov |
| October 15, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 14, 2026 | Vehicle loan or lease | Repossession | In progress | consumerfinance.gov |
| October 13, 2026 | Credit card | Problem with a purchase shown on your statement | In progress | consumerfinance.gov |
| October 13, 2026 | Credit card | Problem with a purchase shown on your statement | In progress | consumerfinance.gov |
| October 11, 2026 | Credit card | Closing your account | In progress | consumerfinance.gov |
| October 10, 2026 | Checking or savings account | Problem with a lender or other company charging your account | In progress | consumerfinance.gov |
| October 9, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 8, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | In progress | consumerfinance.gov |
| October 7, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | In progress | consumerfinance.gov |
| October 5, 2026 | Vehicle loan or lease | Repossession | In progress | consumerfinance.gov |
| October 5, 2026 | Checking or savings account | Problem caused by your funds being low | In progress | consumerfinance.gov |
| October 3, 2026 | Debt collection | Took or threatened to take negative or legal action | In progress | consumerfinance.gov |
| October 2, 2026 | Vehicle loan or lease | Repossession | In progress | consumerfinance.gov |
| October 2, 2026 | Credit card | Problem when making payments | In progress | consumerfinance.gov |
| October 2, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 2, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 2, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 1, 2026 | Debt collection | Written notification about debt | In progress | consumerfinance.gov |
| September 29, 2026 | Checking or savings account | Managing an account | In progress | consumerfinance.gov |
| September 25, 2026 | Checking or savings account | Managing an account | In progress | consumerfinance.gov |
| September 25, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| September 25, 2026 | Checking or savings account | Problem caused by your funds being low | In progress | consumerfinance.gov |
| September 22, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | In progress | consumerfinance.gov |
| September 22, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | In progress | consumerfinance.gov |
| September 22, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | In progress | consumerfinance.gov |
| September 19, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 19, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 18, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 18, 2026 | Credit card | Problem with a purchase shown on your statement | In progress | consumerfinance.gov |
| September 18, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with non-monetary relief | consumerfinance.gov |
| September 16, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| September 16, 2026 | Credit reporting or other personal consumer reports | Unable to get your credit report or credit score | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 10, 2026 | Mortgage | Trouble during payment process | Closed with monetary relief | consumerfinance.gov |
| September 9, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 9, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 5, 2026 | Checking or savings account | Problem caused by your funds being low | Closed with monetary relief | consumerfinance.gov |
| September 2, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 2, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Checking or savings account complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Debt collection complaints
- Every company with Vehicle loan or lease complaints
- Consumer complaints in Florida
- Consumer complaints in Georgia
- Consumer complaints in Texas
- All consumer complaints
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.