Debt collection
Vystar Credit Union debt collection complaints
Consumers have filed 162 complaints about Vystar Credit Union's debt collection, 74 in the last 12 months (+32%). Vystar Credit Union answered 100% on time and closed 8% with relief. See the whole Vystar Credit Union record.
Vystar Credit Union against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Vystar Credit Union | 74 | 100% | 8% |
Latest Vystar Credit Union debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Oct 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | In progress |
| Oct 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 2, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Oct 2, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Oct 1, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | In progress |
| Sep 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Sep 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 4, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Aug 2, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jul 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Jul 23, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jul 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to turn you in to immigration or deport you | Explained |
| Jun 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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