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As a long time member, I am becoming increasingly dissatisfied with Vystar. The conversion to the new platform is absolutely no better than what they had in place prior to this debacle. In addition, they have gone from being a credit union for the people to acting just like any other bank to bog to fail. I did not sign up for a variable rate credit card when I joined them in 1989 and that has now been forced on me along with an interest rate that is jumping up almost double from their last increase. When I called today I learned they have gone from a live person to an automated recording. They offer me terrible interest rates on savings and CDs. I am left wondering just how this Credit Union is supporting me and its other members any better than a regular bank with shareholders these days....
The mobile banking issues happened during a planned conversion to a new platform. VyStar said all funds are secure. The bank is using local banking tech firm Nymbus to launch the new platform electing it as its digital banking partner a few months after investing $20 million in the company. I don't recall this being divulged in advance of commitment.
I agree that vystar used to be good and now it isn't. Forget about the terrible app and the broken credit card links customer service is pure garbage. After giving your info to a
phone robot operater you'll be directed to an open mouth breather diversity hire who you must give your info to again. At this point this person will talk over you and do everything they can to get you off the fone.
And no matter what they dont know anything.
Burn in hell vystar
VyStar is not letting me withdraw money and transfer to another credit union. They keep making excuses
Ive been with this bank for a very long time but I am done with them. You cant talk to em on the phone they hang up on you, Overdraft fees on a debit card that make no sense whatsover. Horrible bank now.
What Vystar deems as an improved mobile experience is greatly disappointing. Quicken no longer connects, the alerts capabilities are broken, bill pay scheduling is very cumbersome, customer service seems to lack infromation. It is sad that Vystar has declined so greatly in online capabilities to the point that many are seeking an alternative financial institution or have already left Vystar.
This failing financial institution remains dysfunctional going on 5 weeks. Sporadic to, no on-line account access. NO telephone access except an automated program. NO reliable external transfer capability. NO on-line chat capability. Account updates are untimely and inaccurate. Their so-called "Risk Security & Fraud Dispute department " is undoubtedly, the worst in the industry." They will harass a member to verify each transaction, yet cant notice the most obvious repeating fraud transactions occuring during their complete system failure. I lost thousands. Vystar has NO member/customer loyalty. I was able to withdraw most of my remaining funds and deposit in a reliable credit union. Unfortunately, the receiving institution placed an extended hold on their certified checks until VyStar was able to actually transfer the funds. Sad, but true.
What a complete GARBAGE “bank”… SIX WEEKS and NO fix for their broken app!! Imagine that you can not access your bank information for 6 weeks?! No app at all. No mobile banking/ mobile deposits. No history of transactions before the conversion date, … this is complete insanity and with ZERO professionalism. Shame shame shame VyStar
Prior to Vystar upgrading their Online banking last month, I was relatively pleased with them. People were friendly and helpful. We live on the other side of the country now and rely on mobile check deposit to put funds in to our account. We have not been able to access the mobile app for over a month now, which is completely unacceptable! Trying to reach a representative by phone takes an hour each time and sometimes it allows for a call back number to be entered other times I don’t have that option. Whoever chose to roll out this system before beta testing was done should lose their job! We will be moving all our money out of Vystar to another financial institution that values their members better.
Once able to get into my account trying to learn the system it logged me out after five minutes. It happened several times. Once I was able to get in after 35 minutes of weight, I made a payment to be scheduled. I made two payments accidentally. I called customer service they answer the phone after an hour and two minutes of being on the phone I explain to her what had happened she put me on hold for almost 2 hours she came back on the phone stating that she had someone else that was going to help me, the gentleman came onto the phone had me on hold as well for another 35 minutes, came back stating that he had his supervisor on the phone . His name was Julio had an accent probably Hispanic doesn’t matter. I explain to him the situation he understood exactly what I was saying and he said the payment already has been mailed out. So it could not be stopped, the point is that no one was able to tell me that information prior to waiting so long. Considering changing credit unions very disappointing and I’ve been with Them since 1980.
I have been a member of VyStar Credit Union since when it was Navy Federal Credit Union in the late 80s. They have always had excellent customer service, and their mobile and online banking has been top-notch. Recently, someone got the idea of upgrading the online banking system. Not a bad idea, per se, but this latest event illustrates the old adage, "if it ain't broke, don't fix it." Their online system has been offline due to difficulties in getting it established for almost a week now I believe. Seriously, it's time to get your act together. You have had long enough to get the online system in place. Dealing with your system right now is extremely inconvenient. I may consider putting my account elsewhere. My advice to you regarding the online system is simply, get it done.
VyStar updated their online banking website in 2016. It took a week to get it working. Given this history, it should be lesson learned and never happen again.
It's now day 7 since they tried to update the mobile app and online banking and the issues continue. After a 5 to15 minute wait, on the website, you might be able to login online. It only works occasionally due to multiple login errors.
Response from upper management is lame and insulting to customers. They put much of the blame on their vendors, but the new systems should have been completely vetted before rollout. Issues were not noticed until the changes went live. The old sites should have been restored on day 3. The well-rehearsed responses raise the question of what else are they hidding?
The banking industry has closed branches and reduced staff because customers heavily depend on electronic banking. To say customers can come to the branch just like they used to means they don't understand how banking has changed,
(or they don't have anything else to offer).
Upper management in charge of online "upgrades" should be fired and new vendors should be brought onboard.
The employees tasked with dealing with understandably upset and angry customers are not paid enough for this added responsibility. Upper management should be in branches for customers to vent on.
Before this fiasco, I would rate VyStar 3+ stars. Their lending rates are high. Savings rates are as low as every other financial institution. On an average not much better or worse than the local competition. BUT given this upgrade issue, they show they are not quick to fix issues that directly affect their members.
They don't care, why should we?
Well Vystar, you would think with all the bad reviews that you would fix your broken issues. Stop messing around with your online banking. I depend on checking my balances daily and with you playing around with your online banking system I can’t check my balances.
Locked online banking every time I tried to use the account and system always down. 54 minutes to get thru in customer service. Stood in line 45 minutes in St Augustine branch with only 4 people in line, twice. Refused to unlock account and wanted Notarized Affadavit of Indemnity to close Credit card after paying it off. Totally worst credit union and zero care for members. They SUCK! DO NOT DO BUSINESS WITH THESE IDIOTS.
Extremely difficult to make a simple request. I spend 60 minutes waiting to speak to call center representative like GABRIELL GEITHER, she hang up the phien because she did not have an simple answer. Don’t tell me that the phone was disconnected. She had my call back number. She was on my account. I was blatantly lied to over the phone, and the representative that had helped me just hang up.
Please, do yourself a favor and steer clear away from this company. They are incredibly unprofessional and clearly do not know how to maintain their customer's vital request/help information in a manner that is even close to be acceptable. For real, anywhere but here, let my experience be the beacon that keeps you from a massive headache and frustration.
I am disappointed. I have used VYSTAR for all of my banking needs for years. There APP is awful and I thought I made a CC payment twice through the stupid app. It looked like it through on my end twice...... but NOOOOOOO I get my credit score bumped down 17 points because of a one late payment even though I thought I paid it twice via that stupid app. I then call VYSTAR and wait on hold for 30 minutes to see if they can help me. They were unwilling to help because they claim the information is correct. THANKS A LOT Vystar. Has anyone else experienced this same thing?? I worked my butt off to get a decent score and now its ruined. I really cannot believe that no one was willing to help me. I was just placed on hold forever and then the phone system reset on me. Then I had to explain my dilemma again to another seemingly less caring person. I was told " "I can tell you that they won't change it from experience". I never even got to speak with anyone and explain that I thought I paid it twice through the APP. Come on Vystar just look at my payment history with my car and CC both ALWAYS ON TIME.
I had great credit, low interest rates. I usually use large banks but decided to go with a smaller local one. BIG mistake. Don’t do it. They will absolutely RUIN you and their employees are sarcastic and have no idea what’s going on. Save yourself the massive headache. Stay away from these people.
that was the first and last time when I use that bank. You never can call them, their support works only until 6 pm, you will have problems after 7 pm you will have to wait until the next day. Their website is awful
I made a $49000 payment that was recieved by them on July 28. As of August 6, the check had not been cashed. So i stopped payment. Then on August 10 I get a call from Vystar wanting to know what to do with the check. Jeezzzz
So I mailed a paper check. That took another 12 days, they did process it the day after they got it.
Now i have a small balance to pay off to clear the account. My wife called them on Setember 24 to pay the balance from her account and recieved and confirmation number and instructions on obtaining our title. The payment never cleared.
so I did another call andgave them a CCared to clear the balance. The young lady said it was declined. So I called the credit card company and they told me that there were no declines and not attempts.???
Now I online chatted and asked for a call back, NOTHING happend.
So I called the customer service number and got connected with a very nice lady that wanted to help. She could not. Basically i am out a few hundred dollars in interest. She did connect us with a "payment taker" I gave her the card number and after a bit she came back and ask for the 3 digit code (I knew she would need it). another long delay and then got cut off. Now I would have expected a call back, NOTHING..
They need some serious training and they cannot blame it on Covid. I did ask to talk to the Manager and was told that would not happen. Nice isnt it.
Well, I cannot believe it has come to this but VyStar has truly disappointed me and I feel that current members, as well as any future members, may want to hear my story, and the lack of caring displayed by VyStar management!!!
Recently, my wife fell victim to a phishing scam claiming to be PayPal support. They claimed there were disputed charges and had her initiate a Remote Desktop session so they could “assist” with the transaction reconciliation. During this time, and unbeknownst to me, they had full access to her online banking. They told her they would refund a small amount of money BUT when they entered the “refund” to her account, they misplaced a decimal point and deposited a much larger sum instead. Their entire scam was that they would lose their job and asked for her assistance in resolving “their mistake”…begged and pleaded!
They actually transferred the money from savings to checking using online banking! She was requested to have VyStar wire the money to some account in Thailand which VyStar, thankfully, wouldn’t do. The scammers then instructed her to take out cash and mail it to some address in Berkley, CA. While she was on her way to FedEx, I happened to look at the computer and it was THEN that I realized they had the remote desktop running!!! While they were on the phone with wife as she was traveling to FedEx, I actually WATCHED them do a ZELLE transfer of $500 to some phone number in Ft. Lauderdale! It was at this point I immediately shut down my entire network and recalled my wife BEFORE the package could be mailed!
By the time ZELLE went to get the money from that account, I had already suspended that account so ZELLE never got the funds. I opened two cases with ZELLE and they informed me the transaction never posted and that NO money was paid to the intended recipient. I approached VyStar Customer Support and they worked diligently to resolve this issue but for some reason, VyStar management will NOT REFUND MY MONEY! VyStar knows that ZELLE never received the money, they know ZELLE never paid anyone the money and they know it was part of a hack but yet they WILLINGLY refuse to reimburse the amount! This is NOT what I expected from VyStar and I will be looking for a new home for my money and loans moving forward!!!
I spoke to customer service today about a charge on my debit card.
The representative was Richard Herrin and he was very informative, patient and extremely helpful. After researching my inquiry, we decided to put a stop pay on the charge in question.
Thank you so much for taking your time to research this charge!
Sincerely,
Rita K
A Vystar member forever!!!