I've been a USAA customer since 1999 and have always had great customer service from them. The most recent instance was about a year ago or so I had several charges I didn't recognize for a few hundred bucks each hit my checking account one morning. They were all for perfume and shoe stores in the UK (I was living in FL at the time). It took about 5 minutes on the phone to get the charges removed and a new card on the way.