2026 data Public-data reference Official source

Vystar Credit Union

1.2K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

PlainComplaint home → About this data
1.2K
Total Complaints
99.7%
Timely Response
0%
Disputed
16.5%
Relief Provided
36
States Active
2022
Since

Data updated June 2026

Timely response rate 99.7%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 16.5%
Industry median

Share closed with monetary or non-monetary relief.

Vystar Credit Union complaint mix by product

Total complaints: 1.2K

Vystar Credit Union complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 1.2K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Checking or: 426 complaints (39.8%), resolution 19.5% Checking or 39.8% Credit reporting: 243 complaints (22.7%), resolution 13.6% Credit reporting 22.7% Debt collection: 139 complaints (13.0%), resolution 9.4% Debt collection 13.0% Vehicle loan: 101 complaints (9.4%), resolution 12.9% Vehicle loan 9.4% Credit card: 61 complaints (5.7%), resolution 24.6% Mortgage: 56 complaints (5.2%), resolution 42.9% Money transfer,: 45 complaints (4.2%), resolution 8.9%
  • 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

How Vystar Credit Union's 1.2K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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

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 CFPB Consumer Complaint Database

What the CFPB Record Shows About Vystar Credit Union

Vystar Credit Union's 1,176 logged complaints stay concentrated: only 36 states show a filing on record. 40.8% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2022 through 2026-06-25.

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.

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.

Frequently Asked Questions

How many CFPB complaints does Vystar Credit Union have?

1,176, per the CFPB's public complaint count for this company (see the full breakdown above).

Does Vystar Credit Union respond to complaints on time?

99.7% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about Vystar Credit Union?

"Managing an account", filed under the "Checking or savings account" category - see the issues and products tables above for the full ranking.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.