A Jacksonville woman has filed a proposed lawsuit in U.S. District Court against VyStar Credit Union, a Florida-based financial institution, alleging losses of roughly $42,000 from an impersonation scam and unauthorized account access.
According to the lawsuit, unknown persons accessed the customer's online banking account, changed her password, and impersonated credit union representatives by phone to obtain her debit card through courier delivery. Between November 13 and November 20, 2025, the fraudsters drained approximately $42,000 through internal transfers, ATM withdrawals in Broward and Palm Beach counties, and purchases at retailers including Best Buy, Target, Apple Store, and GameStop.
The customer reported the fraudulent activity on November 20, 2025. The credit union subsequently denied her claim and allegedly failed to provide required written explanations or respond to a follow-up notice sent in June 2026 under federal Electronic Funds Transfer Act and Regulation E rules.
The lawsuit alleges that VyStar Credit Union disabled security controls for marketing reasons and failed to apply fraud alerts to the account. The Jacksonville Sheriff's Office maintains an open criminal investigation related to the case.
In a statement, VyStar Credit Union did not address the specific case but described its fraud prevention measures. The institution stated that its systems include real-time text and phone alerts requesting members to confirm or deny suspicious activity, with accounts locked immediately upon confirmation of fraud.
The plaintiff is seeking actual and statutory damages, attorneys' fees, and treble damages.
