I discovered two fraudulent charges on my debit card on a Saturday morning. As soon as the phones opened, after a brief annoyance with the automated system, I was connected an agent. She handled the issue quickly, politely, and within a short time, the fraud claim was filed, I had some cash to hold me until my new expedited card arrived, and I never felt much anxiety even though it was a fairly good sum of money. Within 3 business days, the money was back in my account.
This type of service is why I have been a member for 20 years and have all of my financial and insurance accounts with USAA!