VyStar Credit Union has to be the worst bank in history. For them to receive payments from my grandmother on a regular and not to mention ON-TIME basis, they have stolen funds from her and have removed every opportunity to remediate the situation where we had an open loan. The goal was to have the loan refinanced and removed from my grandmothers name and put into my name. The will she had in place for me to receive her final vehicle was dismissed. In the initial process before we were made aware, VyStar’s death processing department removed all of her funds and placed the funds onto the principal of the loan. I tried to turn over the vehicle to receive the funds and they told me they would work with me. Though very upset, I understood their process and followed it. I was told on multiple occasions that I had time to get her affairs in order. Her death certificate was approved mid-February. At that time, the first payment hadn’t arrived. I was told different things by different people that as long as the loan wasn’t in default I would be able to continue the loan and the proceeds from her several bank accounts were not to be used to offset the loan. Well that was a lie because the funds were applied. I was given multiple run arounds. I went to the courts and spent hundreds of dollars just to start the process for the letter of admin that I was instructed to get. While in the process I made sure there was adequate insurance on the vehicle and the loan was in good standings. The issue came in when I made the first payment and they didn’t have record that I made the payment. I have emailed my proof of insurance and they still stated I didn’t have any and they applied the no insurance fee which made the loan past due. They mailed a letter stating that the fee would be removed because the insurance was sent to them and it wasn’t removed. I received a call stating that they were repossessing the vehicle if I did not get the letter of admin by April 15th. Well here is April 19th and they are telling me they are repossessing the vehicle. They only gave me 60 days to have the vehicle refinanced. In that process, leaving a set amount for me to have the vehicle refinanced for and to get a letter of admin. There is no way any affairs could be done that quick, not even probate. Vystar is the worst bank to have and they have no regards to death of their members and their heirs. I would encourage many that has their funds tied up into Vystar to read over the terms and conditions as they could screw you over and make a mockery of your family as they did mine while in the toughest times. I will be reaching out to the BBB and CEO/President Brian Wolfburg in this matter because this has truly disturbed our peace.