Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Their VyStar credit I wan na respond to your ignorant response. You need to check XXXX XXXX  dont pay on my intelligence. OK they charge me all kind of overdraft fees without paying for my product which is robbery. And this is response to your letter of ignorance. I know I owed you guys money, but you guys just bought XXXX XXXX  and Im not talking about you. Im talking about XXXXXXXX XXXX XXXX XXXX What is your company? Would you just purchase just moved over to it dont play on my intelligence. Dont talk about a fee that I owe of {$100.00}. Thats irrelevant. I dont want XXXX dollars back I want all of my overdraft fees back that XXXX XXXX  charge me without paying for my product you get it Im pretty sure youre not that ignorant. Im gon na send you the screenshot of the laws and regulations since you couldnt comprehend. 
following posted to the Consumer Financial Protection Bureau 's Online Complaint Portal on XXXX XX/XX/XXXX : The following references the complaint we received on XX/XX/XXXX, from the Consumer Financial Protection Bureau on behalf of VyStar member, XXXX XXXX. The complaint was assigned a case number of XXXX. 
Upon receipt of the complaint, we asked XXXX XXXX, Senior Operations Support Specialist, to assist in researching XXXX XXXX concerns. XXXX XXXX attempted to contact XXXX XXXX but was not successful. 
Our established timeframe for review of fee refunds is XXXX XXXX. A thorough review of XXXX XXXX account history was completed. 
XXXX XXXX checking account ending in XXXX was charged-off on XX/XX/XXXX, with an outstanding balance in the amount of {$720.00}. 
XXXX XXXX savings account ending in XXXX was charged-off on XX/XX/XXXX, with an outstanding balance in the amount of {$350.00}. Currently, the savings account is in partial recovery, with a remaining balance owed of {$110.00}. 
The only fee assessed within the past XXXX  months was a {$5.00} dormancy fee applied to XXXXXXXX XXXX  savings account ending in XXXX on XX/XX/XXXX. As a courtesy, we have removed the dormancy fee as well as the dormancy status on XX/XX/XXXX. 
If XXXX XXXX needs additional support, she can connect with a VyStar representative via XXXX at XXXX or our XXXX XXXX at XXXX or XXXX. Our Contact Center representatives are available Monday through Saturday, from XXXX a.m. to XXXX p.m., This is your ignorant response Dont play on my intelligence your credit union VyStar has nothing to do with oXXXX XXXX  and since theyre owned by you now Im taking this up with you. Please dont play on my intelligence. Dont do it check my my XXXX XXXX  records and please dont break up overdraft fees that I owe XXXX XXXX. Youre very ignorant because thats paid off what I owe you is irrelevant you get it. You were not with XXXX XXXX  once again dont play on my intelligence.

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