Consumer complaint received 2022-10-10
Company: VYSTAR CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I noticed in or around XXXX strange emails I was receiving that appeared to be from unhappy people that had apparently order something but we're scammed. And my email & a XXXX account that was never activated were tied in. I notified XXXX, sent them copies of emails, discussed at length & was told it should be taken care of by XXXX. Then in XXXX, also this year I get a notification from my personal bank Vystar Credit union, the XXXX Florida branch. My husband & I opened both a personal account & a savings account jointly. We put I believe {$25.00} in the savings & very little in checking. It was going to be mostly for him to be able to cash checks he's paid by clients with & to try to save. We actually only made a couple small purchases through it, not deposit more money, we are broke. 
In the notification we we're being told this was our final notice of having over drawn considerably & needed to get it paid clear with in five days or loose account. I was shocked. And we got that it appeared to be several withdrawal within a couple days through the same XXXX account I never opened. I never requested a XXXX account, and so when I did receive a card from them have never activated it. I'll be cutting up all the cards now, XXXX & Vystar. 
After several unsuccessful attempts to reach the right department, ( Members Solutions Department ) was finally talking to someone, can't remember name or if I was told one, bank finally, rudely agreed to dismiss some of the fees but ot all. I felt I didn't owe. I said so. Told to pay ASAP. I called XXXX, assured they were taking care of investigation on account but would not cover the bank charges. I called the bank back told must pay. 
But also informed on second call to vystar that my debit & ATM card had been frozen for non use months earlier. Now I was not made aware of this before. And I said I was not happy because I was clearly scammed & they did not try to call me, or email, only received the one Finale notice. But quickly and rudly told " they were sure I'd be able to come up with the payment to them by the end of the month '', even after I clearly explained we were not doing good & are broke. " they should have caught this quick & notified me imidiatly. Instead I'm told to pay, doesn't matter if it was identity theft, pay. And I would have to wait six months, or something crazy, husband to, & have account in good standing, go to bank in person & ask to get my cards back, beg. This was absurd. I'm not interested in this bank that doesn't care about us. 
I would like to see them change the rules, policies, collections, & investigation process. Also I want this account closed with a letter of apology on how it was handled. And I believe my husband & I are both owed fair remedy amount from the bank for the inconvenience, poor handling, rudeness, & lack of care. I would say {$200.00} each. They can mail us each a check with the letters of apology.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation