If you have paypal fax USAA with a statement that the transactions on your account were fradulent and a request to waive the NSF fees, the bank will do so. The member service representives are only allowed to refund so many fees for each member, and can not waive any if your account is charged off. I would advise that you always keep up to date on your accounts, even if you dont use them daily. I also know that the bank sends a letter when you are 10 days negative, and 30 days negative and then again after 41 days when your account charges off. Is your address up to date?