Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
As stated below, the statue states the lender shall afford the debtor an opportunity to make the titled personal property available to the lender at a place, date, and time reasonably convenient to the lender and the borrower. Prior to taking possession of titled personal property, the lender shall afford the borrower a reasonable opportunity to remove from the titled personal property any personal belongings without charge or additional cost to the borrower. Vystar CU repossessed my XXXX this past XXXX at or around XXXX on a bank holiday without notifying me of this before hand so I could remove my personal items such as child seats, Government ID and related materials for work and items needed to continue working. The Vystar CU had a third party to remove the vehicle and tow it to a lot in XXXX that morning. Today ( XXXX of XXXX ) I was able to pay all fees and bring my accounts to full in order to return my truck. Once given the opportunity I was told I was not able to pick up my truck until the following XXXX XXXX XXXX XXXX XXXX ) because the company is in XXXX XXXX XXXX over an hour away and they do not work in XXXXXXXX XXXX This is clearly Vystar breaking the law and is working against the XXXX statute XXXX to not only not allow me to retrieve my personal items from my truck, they are impeding the return of my vehicle after bringing the accounts to date. I'd like to pursue a civil lawsuit for wrongful repossession, damages, and attorney fees. REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS Chapter 537 TITLE LOANS View Entire Chapter 537.012Repossession, disposal of pledged property ; excess proceeds. ( XXXX ) If a borrower fails to repay all amounts legally due under the title loan agreement on or before the end of the title loans maturity date or any extension of such date and fails to make a payment on the loan within 30 days after the end of the loans maturity date or any extension of such date, whichever is later, the title loan lender may take possession of the titled personal property. A lender may take possession of the titled personal property only through an agent who is licensed by the state to repossess motor vehicles. ( XXXX ) Prior to engaging a repossession agent, the lender shall afford the debtor an opportunity to make the titled personal property available to the lender at a place, date, and time reasonably convenient to the lender and the borrower. Prior to taking possession of titled personal property, the lender shall afford the borrower a reasonable opportunity to remove from the titled personal property any personal belongings without charge or additional cost to the borrower. After the lender takes possession of the titled personal property, the lender, at the lenders sole expense and risk, may authorize a third party to retain physical possession of the titled personal property.

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 non-monetary relief