Weird, USAA froze my cards and funds immediately the only time I've had suspicious transactions. I guess the social portion is where we diverge though, they definitely tried harder to get in to yours. Ours was just a guy in Vancouver trying to order Thai food through a delivery app.
They froze the card, but only after six consecutive withdrawals from an ATM in Miami. I was getting notifications on my phone about the withdrawals (did I mention I'm paranoid) but since I was driving, I didn't see them for about half an hour when I arrived at my destination. Called USAA immediately and they had already frozen the card. But the money had already been withdrawn.
I can't explain why it took many consecutive withdrawals in a short time, in a city that I've never visited, 3000 miles away from the most recent use of the card, to trigger USAA's protection algorithms.
USAA did finally take care of it. My biggest beefs with them are 1) they dragged their feet a couple days on the investigation until I called them myself (I'm the veteran, my wife is not, and they were much more responsive to me), and 2) they really do punish my wife for something not her fault. You know those questions you get which are sourced from your credit file? What street did you live on, what's your mortgage payment, things like that? That's what they ask every time, after asking for a secret password and PIN code to be used for phone calls.
I'll give them credit though, for actually sharing the gory details with me once they were done tracking down everything, and admitting that one of their own employees had broken their rules and handed over the credentials to my wife's account.
