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

CFPB complaint data Grade F 136 complaints

Vystar Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade F.

Complaints by issue type

What consumers report about Vystar Credit Union

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 52.2/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Vystar Credit Union ranks ahead of 19% of the 5,283 collectors PlainCollector grades - 81% keep a cleaner CFPB record, on 136 all-time complaints and a 98% timely-response rate.

19th pct
reputation rank of 5,283 graded collectors
136
CFPB complaints, all-time
98%
answered inside the CFPB window
74
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Vystar Credit Union?

Vystar Credit Union has accumulated 136 total CFPB complaints across 11 states, with 74 filed in the most recent 12 months against 62 historical complaints before that window. The trailing-12-month volume represents 54.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 98% timely-response rate.

Complaints have been recorded across 11 states, led by Florida with 114 and Georgia with 12. Normalized against the full CFPB collector database, the reputation score of 52.2/100 places Vystar Credit Union in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

136

mid-volume (CCDB)

Last 12 months

74

54.4% of all-time complaints

Rising ↑

States active

11

regional footprint

Timely response rate

98%

excellent band

Reputation grade

F

52.2/100 composite

How does Vystar Credit Union's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

52 Bottom 19% higher than 19% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Vystar Credit Union versus the debt-collection vertical average.

Timely response within SLA 98.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 19.6%

Share of US states + territories with at least one filed complaint against this collector.

How does Vystar Credit Union compare to its peers?

How does VYSTAR CREDIT UNION compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2017-10 2025-10

Issue Detail Breakdown

Issue Sub-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

What to do if Vystar Credit Union contacts you

A grade of F signals how Vystar Credit Union's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Vystar Credit Union and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Vystar Credit Union ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Vystar Credit Union? ▼

The most common issue consumers report about Vystar Credit Union is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 136 complaints filed with the CFPB.

Are complaints against Vystar Credit Union increasing or decreasing? ▼

Complaints against Vystar Credit Union are rising. The company received 74 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Vystar Credit Union's reputation grade? ▼

Vystar Credit Union has a reputation grade of F (score: 52.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Vystar Credit Union respond to consumer complaints? ▼

Vystar Credit Union has a 98% timely response rate to CFPB complaints.

In how many states does Vystar Credit Union operate? ▼

Vystar Credit Union has received CFPB complaints from consumers in 11 states, with the most complaints from Florida (114 complaints).

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

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.