CFPB Consumer Complaint Profile
Vystar Credit Union
Behind the CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 1,059
- Total complaints
- Among the highest
- 342
- Last 12 months
- 99.6%
- Timely response
- Top decile
- 35
- States affected
The verdict
By CFPB complaint volume, Vystar Credit Union is #312 out of 3,843 financial companies. Its on-time response record is at the 74th percentile among companies with 100+ complaints.
- Checking or savings …
- most-complained product
- FL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Vystar Credit Union vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.6% Higher than most higher than 74% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 231 in 2024 to 358 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 187 |
| 2023 | 206 |
| 2024 | 231 |
| 2025 | 358 |
| 2026year in progress | 77 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Vystar Credit Union
In the CFPB record, Vystar Credit Union has a multi-regional complaint footprint. No product draws more complaints than "Checking or savings account," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Vystar Credit Union: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count.
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Vystar Credit Union have?
1,059 complaints have been filed against Vystar Credit Union with the CFPB overall - 342 of them in the past year.
Does Vystar Credit Union respond to complaints on time?
Vystar Credit Union's CFPB timely-response rate is 99.6%. This is considered excellent.
What product generates the most complaints for Vystar Credit Union?
The most complained-about product for Vystar Credit Union is "Checking or savings account." You can view the full product breakdown on this page.
What is the most common complaint issue with Vystar Credit Union?
Consumers most often cite "Managing an account" when complaining about Vystar Credit Union; the full issue list with counts is above.
How do I file a complaint against Vystar Credit Union?
You can file a complaint against Vystar Credit Union directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Vystar Credit Union?
The CFPB has recorded complaints against Vystar Credit Union from 35 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.