Vystar Credit Union – The worst bank ever
No matter what you might be thinking of doing, don't do business with the worst bank ever. I have many reasons for saying that they are the worst bank ever.
I had accounts with the worst bank ever for 7 years, from 1999-2006. I cannot tell you how many times I was embarrassed or irritated by them. Here's a list of the worst offenses:
Dumb bastards.
I had accounts with the worst bank ever for 7 years, from 1999-2006. I cannot tell you how many times I was embarrassed or irritated by them. Here's a list of the worst offenses:
- If you deposit money in your checking account, and then try to use your checkcard, be careful. The check card balance is about 2 days behind your checking account balance. Several times, I was in line at a store (like the Borders on Southside), and the visa wouldn't work. I can remember at least two times when I just walked out into the parking lot of the store, and used an atm to withdraw the money from my checking account, and paid with cash
- You can only get some money out of an ATM. There's a daily limit of $570 on atm withdrawals from your account. So, if you are on vacation, and want to splurge a bit, but need cash, tough tittie. When we were trying to pay our deposit, we ran into this problem. There aren't any branches of the worst bank ever anywhere in the world except Jacksonville, FL. So, we couldn't go to the bank to get our money, and had to visit the ATM every day for several days, and take out the max each time.
- In the move, and switching bank accounts, two withdrawals came out of my worst bank ever checking account, causing my overdraft protection to kick in. We sent them a check (to the tune of $200+). Today, I tried to close my account. They told me I couldn't because of an outstanding balance on the overdraft account. The balance was $2.29. Two dollars! I'm certain that I paid Vystar more than $2,000 in interest over the years I had a car loan through them, and I'm sure they've made thousands off of interest from my deposits. Keep in mind, I was a loyal customer for 7 years, despite the irritations.
- When we went to buy a new car the last time, I contacted Vystar, since I had a car loan through them already. I had never been late on my loan payment, or any other payment to Vystar, in 4 years. They told me they couldn't finance me. No big deal, I'll get financing through the dealership. The dealership got me financed with a local credit union. Vystar (the worst bank ever). So, when I came to them as a loyal, long-term customer, they couldn't help me. When I came as an anonymous car buyer, they were all ready to give me a loan.
- They let our information be stolen! I received a ton of phishing attacks in email, from people impersonating the worst bank ever. Here's my question: how did the phishers know I was a customer of the worst bank ever? The worst bank ever let some hacker steal a couple thousand customer emails. God knows what else was stolen.
Dumb bastards.
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