Consumer complaint received 2023-11-30
Company: VYSTAR CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I/Me/Myself/Us/We/Ourselves, By : XXXX XXXX :, the undersigned affiant, a living woman declare that I am of majority and competent to state the matters set herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence. Breach Of Contract Vystar Credit Union violated A valid contract, they never followed the agreement of the contract for Performance by one party, and Damages suffered by the performing party. Fails to perform on time, Breach of Contract Vystar Credit Union is very unethical, they have harassed and threatened me. We have been trying to negotiate with Vystar Credit Union and they are willing to come to an agreement. The following corporations have knowingly participated in false and misleading practices and are not willing to rectify this matter. I was knowingly and falsely misled by not being given full disclosure of my rights as a consumer. I have started the administrative process by following all the rules and regulations set forth by Congress. I have sent out Affidavit notices to this corporation making them aware of the violations pursuant to 15 USC 1602, 12 CFR 1002.2, 12 CFR 1026.13 ( a ), 12 CFRb1026.17, 15 USC 44, Regulation B 12 CFR Subpart B, and 15 US CODE 1692 ( c ). I have spoken to them via phone and email as well as certified mail and they have yet to even acknowledge my attempts nor credit my account. I sent the first notice and remittance transfer on and many other notices of billing error. I will attach all the documents that were sent to this corporation below upon request as I have already sent them. They also have a Cease and Desist in place not to contract and they violationed. 
Fails to perform at all or fails to perform according to the terms of the agreement. There was a payment tendered on XX/XX/2023, and XX/XX/2023, for the full amount they are in receipt. Vystar Credit Union refuses to apply for the tender for the loan. Vystar Credit Union have locked all my accounts and dont have access to my online bank or to complete any transaction. There was a Breach of Contract. There were no Arbitration agreement proceedings before they stole my vehicle twice and on XX/XX/2023, at XXXX XXXX having the vessel/vehicle Repossessed by XXXX XXXX. They entered our private property gate with No Trespassing and Private Property Posted on Property which is {$5000.00} fine 15 U.S. Code 1825 - Violations and penalties. There were many private personal property items in the Vessel including medicine that must be taken on time we have not gotten back they are refusing to release all of them. Its one day before XXXX Holiday lack of human dignity. Vystar Breaching of Contract we were not provided with a Writ of Procession on private property and No notice was sent to notified. We are processing Arbitration proceedings now. In Addition, Breach of Contract has caused significant harm, loss, damages, mental and physical emotional undue stress for relief in the amount of {>= $1,000,000} dollar in lawful money.

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