Jacksonville, FL · USDOT 3277986
Vystar Credit Union
Sienna's plain-language read of the record
Vystar Credit Union (Jacksonville, FL) has 39 CFPB complaints awaiting a company response and too few FMCSA inspections in 24 months to measure an out-of-service rate. Covenant Risk Index 50/100 — Elevated activity on record — from the official record as of 2026-09-25.
Generated word-for-word from the figures on this page; no model writes or estimates any number.
CFPB complaints with status 'In progress' — no final company response yet. A status, not a finding.
Filed in the CFPB as: Vystar Credit Union
Source: CFPB Consumer Complaint Database ↗Out-of-service rate minus the national average for the worst category with at least 10 inspections in 24 months. 0 = at or below the national average.
percentage points above national average
Fewer than 10 inspections in every category — rate not measurable, scored 0.
Source: FMCSA QCMobile API (official federal record) ↗CPSC recalls since 2024-10-05 naming “Vystar Credit Union” as manufacturer, importer or distributor. Being a retailer that sold a recalled product is not counted.
Source: U.S. Consumer Product Safety Commission ↗National Weather Service alerts of severity Severe or Extreme active in FL at the time of this pull. Conditions, not conduct.
Counted: Flood Warning
Active but not counted (advisories/statements): Coastal Flood Advisory, Coastal Flood Statement, High Surf Advisory, Rip Current Statement
Source: National Weather Service ↗Vendor Guard · CFPB complaint log, last 12 months
369 complaints received (+10.8% vs prior 12 mo) · 22.7% of closed complaints ended with relief · 0% answered after the 15-day window
Top issues: Incorrect information on your report (73) · Managing an account (57) · Took or threatened to take negative or legal action (39) · Attempts to collect debt not owed (21) · Improper use of your report (21)
Complaints the CFPB sent to the company, by date received; relief share uses CLOSED complaints as the denominator; 'late' = company response after the 15-day federal window.
CFPB source ↗Carrier record · FMCSA census & safety snapshot
Status ACTIVE · Authority Operation: Interstate · 17 power units · 17 drivers · Safety rating none on file · Crashes 24 mo: 0
MC — · MCS-150 current · FMCSA complaints on file: 0 · snapshot —
FMCSA QCMobile API (official federal record)
FMCSA SAFER source ↗Complaint velocity: 3 received in the latest fully-published week (2026-09-03 to 2026-09-10) vs a usual 6.7/week — no spike. Spike = at least 3 complaints received in the latest fully-published week AND at least 3× the entity's own trailing 12-week weekly average. Measured on CFPB complaints only; FMCSA publishes 24-month totals, not dated events.
Live weather at HQ (Jacksonville, FL): no Severe or Extreme NWS alert active as of 2:22:31 PM. Active advisories: Coastal Flood Advisory, High Surf Advisory, Rip Current Statement.
Source: Alpha Covenant Holdings, from CFPB, FMCSA, CPSC and NWS records. Counts are not findings of wrongdoing. Pulled 9/25/2026, 6:20:14 AM.