@bucfan64, I'm sorry to learn that you're a victim of fraud. I understand your frustration with not having a functioning debit card while abroad. We certainly don't want to leave you stranded. Therefore, I'm sharing your concerns with the appropriate team for review. ~DC
Customer service has become a joke at USAA! I am also overseas and tried to buy my husband a birthday present yesterday. AFTER I confirmed with a code USAA emailed me, USAA still declined the purchase AND froze ALL of our cards so we could not pay for anything else after that. I called in, they did not correct it. Later my husband tried to get gas and the cards were still frozen and I had to get on a chat to finally get someone to turn our cards back on. I miss the old days when USAA actually cared about their customers and were not just in it for the profit.
Did you use the "out of the country" notification?
I came back to USAA because we had trouble with our PenFed card being declined when purchasing Europe base airlines. We haven't had that problem with USAA but if the card senses a European clearing house there is a chance it closes the door to the card. That is unacceptable behaviour with so many world travellers.