Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
I am filing this complaint against Idaho Central Credit Union ( ICCU ) regarding the reversal of an ACH deposit that resulted in significant financial harm, despite ICCU failing to provide any notification of the reversal and mishandling the situation at multiple levels. 

Timeline of Events : XX/XX/year> A XXXX XXXXXXXX account was intentionally linked to my ICCU XXXX platform to receive a deposit I believed to be a legitimate gift from a trusted individual. 
XX/XX/year> ICCU confirmed the microdeposits and sent an email stating {$4000.00} was being transferred to my ICCU checking account. The funds were marked as cleared and showed available in my account. 
XX/XX/year> The sender began acting suspiciously. Realizing I may have been deceived, I transferred the funds back to the sender, acting in good faith to correct what I now suspected could be a scam. 
XX/XX/year> Banks were closed for XXXX ( a federal holiday ). 
XX/XX/year> ICCU reports that : o XXXX XXXX XXXXXXXX account had been frozen o A stop payment was submitted to ICCU by the Federal Reserve o ICCU reversed the {$4000.00} deposit from my account o All scheduled transfers were canceled What Went Wrong : I was never notified of the ACH reversal. 
I only discovered the issue when my debit card was declined at checkout, and upon logging into my ICCU app, I saw my account was {$4000.00} and frozen. 
ICCU blamed this lack of notification on app settings but provided no record or proof that any reversal notice was ever sent.

ICCUs Position ( per Branch Manager and Assistant Manager ) : ICCU claims it is standard policy to post ACH deposits as available before they are fully verified and they wouldnt stop a paycheck either. 
They state the outgoing transfer could not be stopped because it was initiated by the account holder before the stop payment took effect. 
They maintain that the reversal was justified and that they are not liable, even though the account holder acted on information ICCU presented as final. 

Violations & Issues : ICCU failed to provide any notification of a reversal, despite XXXX expectations for clear consumer communication. 
Their email and app interface misrepresented the status of the deposit as cleared, giving me reason to believe the funds were secure. 
The reversal happened during a federal holiday, yet ICCU refuses to acknowledge how that timing and lack of alerts left me no opportunity to intervene. 
ICCU 's representatives acknowledge no notification was documented, yet still hold me fully responsible for the resulting negative balance.

I acted in good faith, trying to correct the situation once I realized it was a scam but ICCUs lack of transparency and protection made that impossible.

What Im Requesting : 1. A full investigation into ICCUs ACH reversal practices and failure to notify under XXXX rules 2. Production of the ACH return code, stop payment order, and internal communication history 3. Removal of any related fees, negative account status, or penalties 4. Review of ICCUs policy for ACH cleared deposits, as it misled me into believing the funds were valid Additionally, the Assistant Manager at ICCU disclosed during an in-person conversation that she had also matched with the same scammer on Tinder, and that he attempted the exact same scam on her pressuring her to link accounts so he could send her money. 
She stated that she knew it was a scam because she works for a bank, but acknowledged that most people outside the financial industry would not recognize the red flags right away especially since it starts as a romance or gift-based ruse. 
This admission proves that : ICCU staff knew this was a known scam tactic occurring in their area, Yet no warnings or red flags were communicated to members, And despite this inside knowledge, ICCU reversed the transaction, failed to notify me, and held me liable for trusting the very platform they manage.

Company response to consumer: Closed with explanation