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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.

YearComplaints
2026, to Nov 6308
2025358
2024231
2023206
2022187

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.

Issues

IssueComplaintsShare
Incorrect information on your report16417.6%
Managing an account14916%
Improper use of your report798.5%
Attempts to collect debt not owed576.1%
Problem with a company's investigation into an existing problem555.9%
Took or threatened to take negative or legal action545.8%
Trouble during payment process414.4%
Problem caused by your funds being low343.6%
Managing the loan or lease333.5%
Closing an account293.1%
Problem with a lender or other company charging your account283%
Repossession252.7%
Opening an account181.9%
Problem with a purchase shown on your statement181.9%
Written notification about debt171.8%
Fraud or scam161.7%
False statements or representation151.6%
Problem when making payments111.2%
Problems at the end of the loan or lease91%
Closing your account80.9%
Getting a loan or lease80.9%
Struggling to pay your loan80.9%
Fees or interest70.8%
Getting a credit card60.6%
Charged fees or interest you didn't expect50.5%

How the company responded

Company responseComplaintsShare
Closed with explanation70275.3%
Closed with non-monetary relief12113%
Closed with monetary relief768.2%
In progress333.5%

States

StateComplaintsShare
Florida76281.8%
Georgia828.8%
Texas161.7%
North Carolina80.9%
Virginia70.8%
California50.5%
South Carolina50.5%
Louisiana40.4%
New York40.4%
Pennsylvania40.4%
Arkansas30.3%
Colorado30.3%
Michigan30.3%
Mississippi30.3%
Arizona20.2%
Iowa20.2%
Illinois20.2%
Kentucky20.2%
Massachusetts20.2%
Maryland20.2%
Nevada20.2%
Missouri10.1%
Montana10.1%
New Hampshire10.1%
New Jersey10.1%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 24, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 24, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 24, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 24, 2026Checking or savings accountOpening an accountIn progressconsumerfinance.gov
October 20, 2026Checking or savings accountProblem caused by your funds being lowIn progressconsumerfinance.gov
October 20, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanIn progressconsumerfinance.gov
October 20, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
October 15, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 14, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 13, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 13, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 11, 2026Credit cardClosing your accountIn progressconsumerfinance.gov
October 10, 2026Checking or savings accountProblem with a lender or other company charging your accountIn progressconsumerfinance.gov
October 9, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 8, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 5, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 5, 2026Checking or savings accountProblem caused by your funds being lowIn progressconsumerfinance.gov
October 3, 2026Debt collectionTook or threatened to take negative or legal actionIn progressconsumerfinance.gov
October 2, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 2, 2026Credit cardProblem when making paymentsIn progressconsumerfinance.gov
October 2, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 2, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 2, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 1, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
September 29, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
September 25, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
September 25, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
September 25, 2026Checking or savings accountProblem caused by your funds being lowIn progressconsumerfinance.gov
September 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
September 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
September 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
September 19, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 19, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 18, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
September 18, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with non-monetary reliefconsumerfinance.gov
September 16, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 16, 2026Credit reporting or other personal consumer reportsUnable to get your credit report or credit scoreClosed with explanationconsumerfinance.gov
September 15, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 10, 2026MortgageTrouble during payment processClosed with monetary reliefconsumerfinance.gov
September 9, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 5, 2026Checking or savings accountProblem caused by your funds being lowClosed with monetary reliefconsumerfinance.gov
September 2, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 2, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov

Also on SpecStream

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.