Checking and savings
Vystar Credit Union: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 94
- Closed with money back
- 11
- 2023 to 2025
- 33 to 34
Vystar Credit Union received 795 complaints from everyone in the window; 94 carried the servicemember tag. The complaints are mostly about checking or savings account, and the single most common issue is "Managing an account". 11 of the 94 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count held roughly steady: 33 in 2023 and 34 in 2025.
What the complaints are about
By product
| Checking or savings account | 32 |
| Credit reporting or other personal consumer reports | 21 |
| Credit card | 9 |
| Vehicle loan or lease | 9 |
| Debt collection | 6 |
By issue
| Managing an account | 16 |
| Improper use of your report | 13 |
| Incorrect information on your report | 8 |
| Problem caused by your funds being low | 7 |
| Getting a loan or lease | 5 |
| 2023: 33 | 2024: 27 | 2025: 34 |
Which accounts, specifically
| Checking account | 32 |
| Credit reporting | 25 |
| General-purpose credit card or charge card | 14 |
| Loan | 10 |
| Other banking product or service | 6 |
What went wrong, specifically
| Reporting company used your report improperly | 10 |
| Problem using a debit or ATM card | 9 |
| Non-sufficient funds and associated fees | 6 |
| Company closed your account | 6 |
| Information belongs to someone else | 5 |
Busiest month: May 2023, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from FL (71), GA (9), LA (3) , then CA, VA, AE.
How Vystar Credit Union answered
| Closed with explanation | 75 |
| Closed with monetary relief | 11 |
| Closed with non-monetary relief | 8 |
Vystar Credit Union responded within the CFPB's 15-day window on 99% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (93). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Took or threatened to take negative or legal action. FL, 2024-08-21. Outcome: Closed with explanation. Complaint 9884403
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Checking or savings account; Managing an account. FL, 2024-08-11. Outcome: Closed with explanation. Complaint 9777356
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Credit reporting or other personal consumer reports; Improper use of your report. GA, 2024-08-08. Outcome: Closed with explanation. Complaint 9755309
If this is your problem at Vystar Credit Union
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with checking and savings peers
- Keycorp 109 servicemember complaints; 21% with money back
- FinCo Services Inc Dba Current 120 servicemember complaints; 5% with money back
- State Employees’ Credit Union 65 servicemember complaints; 0 with money back
- Netspend 144 servicemember complaints; 0% with money back
- Bmo Bank 192 servicemember complaints; 16% with money back
Next in the directory by volume: Cascade Ciss, Solar Mosaic, Alorica.
Frequently asked questions
How many complaints did servicemembers file against Vystar Credit Union?
94 complaints tagged servicemember were received by the CFPB about VYSTAR CREDIT UNION between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count held roughly steady: 33 in 2023 and 34 in 2025.
What do servicemembers complain about most at Vystar Credit Union?
Checking or savings account accounts for 32 of the 94 complaints, and the most common issue is "Managing an account" (16). Next: "Improper use of your report" (13).
Does Vystar Credit Union give money back when a servicemember complains?
11 of the 94 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 8 closed with non-monetary relief and 75 closed with an explanation only. Vystar Credit Union answered 99% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.