Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
b'The bank froze my account on XXXX XXXX of XXXX. When asked for an explanation, the only thing they could tell me was that they wanted to verify that the account that I had transferred money from into XXXX was really mine. They asked for a bank statement. I sent them one. They said that they still couldnt verify that it was my account. Ive sent them multiple bank statements showing my account number showing everything that they ask for over the phone I have received still to this day, no explanation as to why it is frozen still, I have received none of my money which a lot of the money that is in there is from my other account and from my paychecks that theyve still withheld from me. I have received one piece of mail like I said earlier stating that my funds would be available XXXX XXXX its now XXXX XXXX tomorrow thats against the law. They have absolutely no reason to still have a hold of my funds. They have completely blocked me out of my account. I cant even see what has been deposited or not unless I go into one of my other banking apps that XXXX was linked with, and I can see the exact total that is in my account. They want me to pay them fees because theyve denied some of the charges that have our instant pay and then some of them they havent denied so that doesnt make sense either. I have sent the formal letter requesting that my funds be immediately put in a cashiers check and sent back to me and to close my account I have sent everything you could think of and I am just wanting my funds. I just want them to close my account and send me the $XXXX in my account. They keep telling me as an excuse that when I call that the bank needs to verify my account number with XXXX XXXXe I dont know how many more times I can send a bank statement to them with my account number that I get my disability and Social Security from which is where the deposit came from in the first place I dont know how you cannot verify that that account number is mine theres its impossible then I was told that all of my funds were sent from XXXX to my XXXX XXXX account. Thats a lie not once. Has there ever been anything posted since it started from XXXX. Its been two months almost 2 1/2 and I want my money or Im going to retain legal council and sue the bank at this point and ask for triple or quadruple my money because of the hassle and headache and miss payments and my car almost getting reloaded and my rent not getting paid and almost getting kicked out and not having XXXX with my family because I couldnt access any of my funds. This is caused me nothing but financial hardship and devastation and if they dont send me my money which I requested in a formal document that they provided for me to close out my account so they could send me immediately my funds and close the bank account if Im not gonna get that in the next week then Im going to ask for $XXXX a day at least for every day that I have went without having access to my funds access to my bank account so I can at least see what theyre trying to screw me over with. This is ridiculous. Its against the law you all know it. What are you doing?'

Company response to consumer: Closed with explanation