Consumer complaint received 2016-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
To whom it may concern ; USAA Online Banking unfairly closed accounts, Due to several failed attempts to access to my USAA Online Account, on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, On XXXX/XXXX/XXXX I talked with USAA XXXX ( Supervisor? ) ID number XXXX XXXX specifically the member resolutions Departament and I was told that they have a clause called MORAL TURPITUDE whereby USAA can cancel any account they wish and not do business with whomever they please. 
Law says, Reasons why USAA can block internet access is if they suspect identity theft or fraud. 
USAA Online Banking Deactivate my Account. 
1 ) Car Insurance ( was closed without my knowledge or explanation ). 
2 ) Rental Insurance ( was closed without my knowledge or explanation ). 
3 ) Secure Credit Card ( was closed without my knowledge or explanation- NEGATIVE Credit Report Impact, due to closing my CD account ). 
USAA cancelled access to y Banking Account on XXXX/XXXX/XXXX, I was told over the phone that USAA will not provide auto insurance to me due to prior car accident. ( attached The XXXX insurance letter- the party responsible for the accident ). 
Also USAA has restricted access to my Online Banking Account which I have been using to pay my bills for the past year. 
Linked external Bank Accounts. Which I wish they are deleted. 
Since I am not longer authorized Online access to my Online Banking Account, I must call USAA each time I would like to check my balance, pay bills or transfer funds. Their reasoning behind this is that I could potentially start my own insurance policy online by logging in to my account. 
If I wanted to fraudulently open an auto insurance claim online, I certainly would n't begin by calling USAA to ask them for an auto insurance renewal quote. 
Furthermore, for the past year I have demonstrate my banking trustworthiness by having a positive payments balance with USAA high interest rate. I paying my bills on time. 
I do not see how restricting access to my Online Banking Account is in any way related to obtaining an auto insurance renewal and check the status on a open claim, XXXX/XXXX/XXXX. Rental insurance and Credit Card. 
The USAA auto insurance Departament has placed a Code. My Banking Account Status restricting. My online access indefinitely because I was honest enough to tell them ( USAA Investigator ) about the auto claim- accident. Which I was not responsible. ( attached XXXX XXXX NV Police Report ). 
In XX/XX/XXXX, I opened my USAA Online Banking Account, asked be removed mistakes made by Customer Service Representative. They refused to do so. ( attached documentation ). 
On XX/XX/XXXX, Once I opened the auto claim led to a great confusion. 
When I opened my USAA online access is XXXX. 
Last Name XXXX, wrong! 
Last XXXX XXXX XXXX, wrong! 
My ex husband XXXX XXXX was USAA member. Military, XXXX XXXX in recovery from XXXX. XXXX in XX/XX/XXXX. 
Military XXXX in XXXX. 
This information was reported to USAA Online Bank. Documents were sent multiple times ( email and fax ). 
I keep copies in my possession. Again, USAA Online Bank denied to remove information ( Logon Last Name information ). Mentioning that the system not allowed make changes. Adding that this did not affect my personal Bank Account. 
Well, Did Affect my Bank Account and identity ( Social Security Number ). Proof is visible on documents attached. 
I feel like being discriminated against. 
I was questioned by USAA Inspector in an inhuman way about XXXX benefits and Confidential Address Program ( CAP ). 
I want to be treated fairly. 
NOTE : BEING A WORTHY CLIENT OF THE USAA ONLINE BANK THE REQUEST IS OVERLY BROAD, ; TO RECTIFY THE ERROR AT EARLIEST. 
Thanking you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation