Thought I'd bump for some bad life events but good USAA story:
Some jackwagons used my USAA Debit Mastercard number in Houston. It seems they tested it on a vending a machine, and after that went through, went on a $500 spending spree at Sams Club.
USAA called me (didn't answer strange 800 number) and texted me, listed my last 5 purchases, and when I responded with No, they had me call their Fraud line. Wait on hold was less than 5 seconds, and after short confirmation, shut off the card, is mailing me a new one ("7-10 days") and the Fraud claim + total reimbursement should be completed in 1-2 days. So, pretty happy with that, at least.