Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
This complaint refers to a pattern of misrepresentation, failure of disclosure, unauthorized charges, and predatory lending practices by XXXX XXXX and Vystar XXXX XXXX XXXX XXXX XXXX and after the purchase of my XXXX  XXXX XXXX under a retail installment contract. 
XXXX. Misrepresentation at Sale Sales representatives XXXX XXXX ( salesperson ) and XXXX XXXX XXXX XXXX XXXX ) at XXXX XXXX assured me verbally and in writing that my monthly payments would be " around {$600.00}, '' contingent upon a {$2000.00} down payment and the trade-in of my XXXX XXXX XXXX 
I have physical, contemporaneous written evidence ( handwritten note ) from the dealership quoting a payment of {$590.00}, referencing my {$2000.00} down payment and confirming that " No payments [ are due ] until XX/XX/2025. '' The actual contract I was presented contradicts these promises and locks me into 84 monthly payments of XXXX XXXX XXXX XXXX higher than promised. 

XXXX. Improper Handling of Down Payment My {$2000.00} down payment was misapplied by Vystar : instead of reducing the principal or monthly payment as promised, it was used for fees and " force-placed '' insurance ( XXXX  ), without my knowledge or consent. 

XXXX. Failure to Disclose and Validate Insurance Requirements I was told to provide an insurance policy ( XXXX ). The dealership accepted documentation with coverage fields flagged as XXXX XXXX XXXX and failed to notify me that " collision coverage '' was mandatory for financed vehicles. 
When the lender later determined that my policy did not include collision coverage, they retroactively purchased expensive force-placed insurance through XXXX XXXX XXXX XXXX me XXXX XXXXXXXX from XXXX to XXXX XXXX without timely notice or opportunity to rectify the coverage. 
Even after I rectified my insurance and provided proof, these charges continued for XXXX additional months. 

XXXX. Lack of Transparency and Unfair Practices No written disclosure was provided, at any stage, clearly stating that " collision '' coverage was a binding requirement of my loan. 
The Retail Installment Sale Contract makes no reference whatsoever to a buyer obligation to maintain collision coverage. 
The dealership and financier took advantage of this lack of contractual clarity to impose additional, unauthorized insurance costs and profit at my expense. 
Legal and Consumer Rights Violations Truth in Lending Act ( TILA ) : The required finance disclosures were misleading and contradicted the verbal and written promises that induced me to sign. 
XXXX ( Unfair, Deceptive, or Abusive Acts or Practices ) : The dealer and financier engaged in deceptive sales tactics, failed to disclose critical requirements and conditions, and assessed unauthorized fees and insurance products. 
State and Federal Consumer Protection : Written and oral representations materially misrepresented the transaction terms, and I was not provided with a fair chance to approve or dispute " force-placed '' insurance before incurring charges.

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