On XXXX XXXX 2015 I was attempting to make a mobile deposit to my personal banking account when I was denied access. I called USAA to find out why I was not able to make a simple deposit. The representative told me that there had been XXXX hidden accounts created under my name and transfers had been made and now those accounts where in the negative balance. I reported to the associate that I did not authorize these accounts and I asked how was this account authorized without my signature. They could not give me an answer. The representative told me the fraudulent accounts had been created on XXXX XXXX and had transfer activity since that date. I quested the bank again because I always receive notification through email, text, and phone call whenever transfers or accounts are open, and I received no notification of this activity. The representative again stated that she was unsure how this happened. I was directed to the fraud department and they asked me if I had participated in a scam or if I had given out my information to anyone I stated no. The fraud team stated that the person would have had to know my XXXX security questions, my pin number, my login information, and I stated again that no one but me has this information. They proceeded to tell me that they would investigate and I would get a call back within 48 hours with a resolution. They froze all my accounts and I had access to none of my money. I received no information from USAA, so I proceeded to call and the representative stated that USAA will no longer do business with me and that I am held responsible for all negative balances, so all my funds were taken over. The representative stated that this decision had been made on XXXX XXXX, though I was not notified. I called again to gain a dispute form a different representative stated that no criminology report for the fraud had been submitted which she found strange and she submitted one today. 
