This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 136 complaints

Vystar Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade D.

Complaints by issue type

What consumers report about Vystar Credit Union

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record vystar-credit-union Vystar Credit Union

Grade D · 136 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed

  • VOL 136
  • GRADE D
  • 12MO 74
  • STATES 11
  • TIMELY 98%
  • ISSUE Attempts to collect debt n…
  • RANK #699
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Diaz & Associates, Inc. (136 complaints)

Diaz & Associates, Inc.Diaz & Associates, Inc.136Lien Enforcement IncLien Enforcement Inc136Mutual Management Services LLCMutual Management Services L…136S&S Physician Services, Inc.S&S Physician Services, Inc.136Vystar Credit Union (this)Vystar Credit Union (this)136
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Vystar Credit Union's 136 CFPB complaints sit next to Diaz & Associates, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 136 complaints break down

Every complaint issue type on record for Vystar Credit Union, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
49.5/100
Vystar Credit Union

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
136
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

83.8% of Vystar Credit Union's CFPB filings land in Florida

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Florida 83.8%
114 of 136 filings · 11 states touched
Even monthly load
Peak under 8%
Highest month 2018-03 at 7.7% (2 filings)
Corpus ranks
#699 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Vystar Credit Union compare to its peers?

How does VYSTAR CREDIT UNION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
VYSTAR CREDIT UNION National average
Complaints (last 12 mo)lower is better
74
4
268
Timely-response ratehigher is better
98%
81%
91%
Consumer-dispute ratelower is better
0%
5%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Vystar Credit Union a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 75%80%85%90%95%100%105% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) Vystar Credit Union vs. 8 similar-volume peers, by response speed and dispute rate S&S Physician Services, Inc.Mutual Management Services LLCLien Enforcement IncDiaz & Associates, Inc.All State Credit Bureau, Inc.Americas Car-Mart, Inc.Receivables Outsourcing, Inc.Blakely-Witt and Associates, Inc.
Source: CFPB Consumer Complaint Database

Vystar Credit Union's complaint volume in context

Vystar Credit Union vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

136 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Vystar Credit Union 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2017-10 2025-10

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
50
Took or threatened to take negative or legal action
46
Written notification about debt
17
False statements or representation
17
Communication tactics
4
Threatened to contact someone or share information improperly
2

Where do complaints against Vystar Credit Union come from?

Vystar Credit Union's own per-state count, not a national baseline.

Top states by complaints against Vystar Credit Union

Across 11 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Vystar Credit Union: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 136.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.4126984126984%.

4 peers

Know your rights before responding to Vystar Credit Union: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.