VyStar Credit Union Customer Service Issues

I recently switched from Compass Bank to VyStar for my personal checking account, mainly because of the promise of no more fees. Unfortunately, I've encountered a surprising number of NSF fees in a short period of time with VyStar. It seems they never decline payments, even when funds are not available. With Compass, they would let the payment go through and then charge the NSF fee. It's frustrating to have to pay a fee when the bank isn't covering the payment. While customer service is usually good, my recent phone call was disappointing as the representative and I had disagreements about transaction dates. I've decided to close my account and will advise my wife and others who use VyStar to consider switching to a bank that's more suitable for modern banking needs. The lack of 24-hour assistance and the app's inability to show pending transactions or accepted payments are poorly executed features. I hope these issues get addressed promptly for the benefit of other customers.

I would like to dispute a transaction that was recently processed in my checking account by TRANSAMERICA TPL INSCWAPREM (Transamerica Life Insurance Company). Despite contacting them on 10/07/19 and being assured that a cancellation request was submitted, I was still charged $[redacted].00 for a payment I no longer wish to make. I am seeking a refund as I have changed my mind about continuing with their services. The payment in question was initiated on 10/06/19, and I have a receipt as proof of this transaction. However, the amount was only posted in my account today, on 10/09/19.

I have faced a difficult situation with Vystar bank after depositing a check for furniture that turned out to be part of a scam. Despite my family's background in law enforcement, I was told by Vystar representatives that it was my responsibility to deal with the consequences of the fraudulent check. I was not informed of any communication regarding this issue and faced various fees and charges on my account. Despite attempting to make payments and address the negative balance, I encountered obstacles with my account access. I have been a loyal customer for over 30 years, but the treatment I received was unacceptable. I hope for a swift resolution to this matter without having to escalate it further. Thank you.

I arrived at the bank at around 4:10 p.m. on Wednesday the 6th. When I walked in, I had to ask a person at their desk where to sign in to open an account. He informed me that I had to wait in line, which I did for about 20 minutes before a nice young lady checked me in. After checking in, I waited for another 20 minutes in the waiting area only to be told that it was too late to open a business account as it takes about an hour to do so. Despite my timely arrival at 4:10 p.m., I couldn't open the account. I noticed customers without teller needs waiting in line for more than 20 minutes, only to be asked to wait longer. The staff member who could have helped me when I arrived just sat at his desk and passed me in line twice. I wonder why there's no self-check-in kiosk to avoid the long lines for customers opening accounts or applying for loans. I was advised to email about getting a kiosk. It's frustrating that there was a long wait time of an hour for phone support and 36 minutes for a text chat. I am considering closing my personal account and switching banks due to these ongoing issues with the website, app, and service delays.