Stop and take a step back. Credit agencies do not suspend you for "no reason". Even if the reason is a mistake, there is always a reason. Finding out that reason will bring you one step closer to fixing the problem. Are you paying your bills? Are you sending in the money with enough time so that they don't recieve your payments late? Is your account information right on your checks so that Visa and your auto insurance company are actually getting your money? I know that it seems like things are falling apart but the harder you try to be objective the easier you will be able to get things done.

Call VISA. The person on the other end of the phone is working FOR YOU. Their job is to help you figure out what is going on. Ask them specifically why certain things happen. "I'm trying to find out why on this date, this thing happened." "Why are you doing this to me???" Is not going to get the response you need. Tell them that you would like a statement in writing explaining why this this and this happened on this this and this date.

Try the same thing with your auto insurance company. Try your hardest not to get emotional and give them specific dates and events so that they can go look into your history and explain why these things are happening...

I have to go, I'll add more later.
Hang in there It will get better!!