CFPB · Lighter filing volume
Vystar Credit Union
1.2K CFPB complaints (light-volume third) · 36 states · top issue Managing an account.
Vystar Credit Union is in the light-volume third with 1.2K CFPB complaints (ranks #309 of 342). Timely 99.7% · relief 16.5% · top product Checking or savings account. Allegations, not findings.
- Volume rank #309 of 342
- Lighter filing volume
- +3.7% filings 2022 to 2026
CFPB relief outcome brief
CCDB company vystar-credit-union
16.5% relief · 99.7% timely · 1.2K filings · Checking or savings account
Same-product relief peers
Nearest relief peer: United Services Automobile Association (16.4% relief)
Vystar Credit Union closes 16.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Vystar Credit Union's 1.2K filings include narrative text
40.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Vystar Credit Union complaint mix by product
- Checking or 426 39.8% – 20% relief
- Credit reporting 243 22.7% – 14% relief
- Debt collection 139 13.0% – 9% relief
- Vehicle loan 101 9.4% – 13% relief
- Credit card 61 5.7% – 25% relief
- Mortgage 56 5.2% – 43% relief
- Money transfer, 45 4.2% – 9% relief
Lighter-volume mix: how Vystar Credit Union's 1.2K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 426 |
| Credit reporting or other personal consumer reports | 243 |
| Debt collection | 139 |
| Vehicle loan or lease | 101 |
| Credit card | 61 |
| Mortgage | 56 |
| Money transfer, virtual currency, or money service | 45 |
| Credit card or prepaid card | 39 |
| Credit reporting, credit repair services, or other personal consumer reports | 36 |
| Payday loan, title loan, personal loan, or advance loan | 21 |
| Payday loan, title loan, or personal loan | 8 |
| Debt or credit management | 1 |
Concentrated filing states for Vystar Credit Union
Top states by attributed volume, lighter-filing company
- Leading state
- FL
- 82.6% of this company's filings
Vystar Credit Union complaints by year
Annual filing volume from the CFPB public database
- 2026
- 194
- +3.7% vs 2022
Top States
| State | Complaints |
|---|---|
| FL | 971 |
| GA | 85 |
| TX | 19 |
| CA | 13 |
| VA | 9 |
| NC | 9 |
| CO | 6 |
| MD | 6 |
| NY | 6 |
| PA | 5 |
| LA | 5 |
| IL | 4 |
| SC | 4 |
| AR | 3 |
| MI | 3 |
| MA | 2 |
| NV | 2 |
| MS | 2 |
| WV | 2 |
| IA | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 276 |
| Incorrect information on your report | 177 |
| Improper use of your report | 88 |
| Problem with a company's investigation into an existing problem | 53 |
| Attempts to collect debt not owed | 50 |
| Took or threatened to take negative or legal action | 49 |
| Trouble during payment process | 47 |
| Managing the loan or lease | 43 |
| Closing an account | 37 |
| Problem caused by your funds being low | 34 |
| Problem with a lender or other company charging your account | 33 |
| Opening an account | 29 |
| Fraud or scam | 26 |
| Repossession | 21 |
| Problem with a purchase shown on your statement | 19 |
| Problem when making payments | 19 |
| Written notification about debt | 17 |
| False statements or representation | 17 |
| Getting a loan or lease | 13 |
| Other features, terms, or problems | 12 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 187 | 99.5% |
| 2023 | 206 | 99% |
| 2024 | 231 | 99.6% |
| 2025 | 358 | 100% |
| 2026 | 194 | 100% |
Source: CFPB Consumer Complaint Database
Vystar Credit Union in the light-volume third
Vystar Credit Union's 1,176 logged complaints stay concentrated: only 36 states show a filing. 40.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2022 through 2026-06-25. Volume lands in the lightest third of the indexed company corpus (#309 of 342).
Vystar Credit Union answers 99.7% of complaints inside the CFPB's tracked window and closes 80.3% with a written explanation. 16.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Managing an account."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Vystar Credit Union.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Vystar Credit Union: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 1.2K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Vystar Credit Union (#309 of 342; 99.7% timely; 16.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lighter filing volume