Can an institution take puntitive action following a discharged bankrupcy?

That's a very interesting question.  I'm not sure what banking services you would need with an insurance company, but I think this comes down to whether what they are doing amounts to an attempt to collect on a debt that was discharged in your bankruptcy case.   I don't think that banks (or insurance companies) are REQUIRED to provide you anything; you always have the right to use a different institution, so I'm not sure refusing to provide you online access, etc. would amount to a violation of the discharge. On the other hand, if they admit that it's punitive solely because of the bankruptcy, you may be able to rattle their cage by filing a contempt motion with the bankruptcy court.  That will cost you money, however, with no guarantee of recovering any. I would check with a bankruptcy attorney in the location where your case was filed for further direction on this issue. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.