Credit card or prepaid card -- Problem when making payments -- Complaint #6522868
Complaint Overview
Complaint ID: 6522868
Company: Vystar Credit Union
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due
State: Florida
ZIP Code: 32211
Date Received: 2023-02-05T12:00:00-05:00
Date Sent to Company: 2023-02-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Vystar Credit Union in the month of XX/XX/2022 while converting their online systems, failed to proactively send credit card statements to any clients who were set up for edelivery and the ability to speak to anyone to arrange payment required a hold time of over an hour with no ability to be called back. I was hospitalized and unable to reach anyone during the time I was able. When the system did come back online there was no access or viewability of our credit cards. When I finally spoke to someone I said they needed to reverse the charges and adjust my entire credit reporting and my available credit lines. It took 3 phone calls to get access to my credit-card restored but in the meantime I was having my credit lines decreased left and right because they reported my delinquency despite HAVING NO WAY TO PAY THE BILL EXCEPT FOR GOING INTO THE BRANCH! They refused to reage the account and correct their reporting and this caused me to financially and mentally spiral as I needed the funds for necessary house repairs. My credit score prior to this event was XXXX. I am now down into the 600 's and now jobless. None of the creditors will make arrangements either due to the negative credit history I have now been saddled with.
Frequently Asked Questions
What is Complaint #6522868 about?
Complaint #6522868 was filed against Vystar Credit Union regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2023-02-05T12:00:00-05:00.
How did Vystar Credit Union respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Vystar Credit Union?
Yes, visit the Vystar Credit Union company profile at readthecomplaint.com/company/vystar-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.