Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9755309
Complaint Overview
Complaint ID: 9755309
Company: Vystar Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 306XX
Date Received: 2024-08-08T12:00:00-05:00
Date Sent to Company: 2024-08-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Vystar credit union in XXXXXXXX XXXX at the XXXX XXXX XXXX tricked me into signing for an LOc on my former husband account They helped my husband steal money from both me and my children by allowing him to put for deposit only on checks and cash them including government checks. We were legally separated for the first time in the late 1980s. We had 2 more legal separations and finally a divorce. Tge paperwork for thus account was signed in 198i8. They were told over and over again through the years I was not responsible for this debt. They refused to work with me or freeze the account they allowed him yo continue yo max it out every month. I thought they had closed the account but it showed on my credit report about 8 years ago because he always kept it at 99 percent. I fought them and it was removed from my credit report. He died in XXXX it took several months to find me but they demanded a payment for the loan. When I refused a few days ago they charged it off and put it on my credit report. My name was removed from thus account that the Loc was attached to many many years ago. I had zero access to the account however, they kept on the LOC without my consent. What I signed was an LoC yo a checking account that had my name onniy because they told I needed to. I was never informed that I would hadve zero control over it and that they were doing this so they could later XXXX me. This needs to come off my credit report immediately. This man was a dead beat dad, eho was a narcassistic mental abuser who screwed around on me the entire time we were married and ended up eventually marrying his beat friends wife and longterm affair in XXXX. I have put it with enough abuse from him. I do nor need these evil people who helped him steal at least {$20000.00} from XXXX continue this abuse. Like I said I finally took my daughter after I retired from the military and got away from this abuser at a very expensive cost. I refuse to pay anymore of this evil man 's devyts. I believe he is finally I'm hrll where he belongs. Vystar credit union was always his alley and helped him in ever way yo XXXX me. Please make them remove this charge off off my credit report.
Frequently Asked Questions
What is Complaint #9755309 about?
Complaint #9755309 was filed against Vystar Credit Union regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-08-08T12:00:00-05:00.
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 reporting or other personal consumer reports) 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.