First, I had to go in to the branch to set up autopay for my car loan. While there, the associate asked if I want to get a secured credit card. Ninety days later, they repossessed my car! Incompetant associate never turned in my paperwork! $1000 impound fee for THEIR incompetence! Since they DESTROYED my credit rating I asked to close my secured credit card. “Will take 4-6 weeks to process.” TWO MONTHS later, no check. Called. “Five to ten business days.” Two weeks later no check. Called. “It has been processed. I don’t know why you haven’t received your check. Three to five business days.” Three weeks later, NO CHECK! Called. “It was put in your savings account.” Tried to get them to wire to my bank. REFUSED! “You have to come in to the branch.” I specifically asked for a check because their closest branch is over 10 miles away through NIGHTMARE traffic. Never in my life have I seen such an incompetent group of people. Stay away from Vystar whatever you do. They will DESTROY your finances!