Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding VyStar Credit Unions improper closure of my accounts, freezing and return of my payroll deposit, refusal to provide access to earned wages, and failure to provide a meaningful explanation or review process.

Financial Institution : VyStar Credit Union Date of Incident : XX/XX/year> Description of the Problem On or about XX/XX/year>, VyStar Credit Union closed my accounts without prior notice and revoked my membership, citing vague and unspecified identified risk factors. I was informed that VyStar would no longer provide any financial services to me and that all future applications would be denied.

At the time of this action, VyStar had already received a direct-deposit payroll payment from my employer. VyStar froze my account, refused to release my earned wages to me, and instead returned the funds to my employer without my consent.

As a result, I experienced a delay of approximately one week in receiving my paycheck, which caused significant financial disruption, stress, and XXXX. I was deprived of timely access to my earned wages through no fault of my own.

Excessive Verification and Lack of Explanation Prior to closing my accounts, VyStar required and I provided extensive identity, professional, and financial documentation, including : State-issued drivers license Law enforcement credentials Florida Bar identification card Florida XXXX XXXX permit Social Security card Birth certificate XXXX XXXX statement  XXXX statement  XXXX XXXX XXXX XXXX statement Despite this exhaustive verification, VyStar proceeded with account closure and fund freezing without explaining why this documentation was insufficient or identifying any objective standard that was not met.

VyStar has refused to provide : A factual explanation for the alleged risk factors Any documentation supporting its decision Any appeal or reconsideration process Consumer Harm VyStars actions resulted in : Loss of timely access to earned wages Financial disruption and hardship Significant stress and XXXX  Lack of transparency and due process The handling of my payroll depositfreezing funds and returning wages without consentappears inconsistent with fair consumer financial practices and raises serious concerns regarding funds availability, error resolution, and internal controls.

Requested CFPB Review I respectfully request that the CFPB : Review VyStar Credit Unions handling of my payroll deposit and account freeze Assess whether VyStars actions comply with applicable consumer protection laws and regulations Require VyStar to provide a documented, lawful explanation for its actions Evaluate whether VyStars policies adequately protect consumers from harm during account closures I am prepared to provide copies of VyStars correspondence, payroll records, and all verification documents upon request.

Thank you for your attention to this matter and for the CFPBs role in protecting consumers from unfair, opaque, or harmful financial practices. 

Respectfully, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation