Frustrated Memeber - Trouble Traveling with ATM Debit Card

Frustrated Memeber - Trouble Traveling with ATM Debit Card

Dillashaw's avatar User  Dillashaw  (Opens a pop up layer) New Member

I am leading a team from of volunteers overseas.  Before leaving the country I called and gave an international travel notice.  I was able to use my ATM debit card at an ATM.  After that my card was locked.  

On July 3 I made an international call to USAA, spending more than 10 minutes on the phone.  At that time I was told the block was lifted.  On July 4, I tried to use my card again, and again it was denied.  After another 10 minute phone call I was assured again that the block was lifted.

Not only am a very frustrated with how USAA has failed a 12 year; I have been repeatedly embarrassed in front of people that I have asked to trust me and follow my leadership.

My frustration continues to grow, because it is not the first time USAA has placed me in this situation.  As a 12 year member I am concerned that I may have to consider another banking provider to help insure this does not continue.

Re: Frustrated Memeber - Trouble Traveling with ATM Debit Card

MemberInternational's avatar User  MemberInternational  (Opens a pop up layer) Frequent Visitor

Hello, Dillashaw,


As a member for more than 10 years, I share your frustration, as I have found myself in the same and similar situations as you. I even became delinquent in my credit card debt because I was not able to send any payments to USAA from various international bank locations.


As a result, I was reported to the credit card bureaus without any international support from USAA other than contacting my U.S. phone number and leaving annoying messages to submit late payment(s) without any solution towards my international problem that I previously explained to them.


I even requested them to send me a new debit and credit card from 3 international countries because they were expired, but I never received any cards in the mail, which put me into another situation of having no access to my money without trying to send money to myself by moneygram online.


To my surprise, I thought since USAA focuses banking services to veterans residing worldwide, banking would be very easy. Comparatively, it is my conclusion that those who are overseas confined to military bases would have an easier task to have banking services available with USAA, than for those such as myself who are living independently in a foreign country where I personally have experienced many difficulties.


I am currently researching a U.S. bank that truly has international banking capabilities for their members.



Re: Frustrated Memeber - Trouble Traveling with ATM Debit Card

KHarding's avatar User  KHarding  (Opens a pop up layer) New Member



Has anything been resolved? My husband and I recently moved to Cambodia where we expected our excellent USAA service to continue, but we have been nothing but disappointed. This week we are facing similar problems as yo've described, except that I do not know how to call them internationally because that isn't even something we've broached here yet. Our ATM cards worked fine last week, but after a few attempts of accidentally using the wrong pin number, both of our ATM cards were blocked, or so it seemed. I am used to receiving prompt emails if there is any type of fraudulent or suspicious activity so I assumed I'd return home to find such an email and then be able to sort it out, but on returning, there was no such email. I trumped it up to the Cambodian bank having blocked our cards because of our many attempts with the wrong pin number, and assumed waiting would fix the problem. Unfortunately on returning to the bank today, our cards were still denied. I am so frustrated. Currently our passports are being held for visa renewals until we are able to pay for them, which we are not able to do because we cannot withdraw money from our bank accounts.

Re: Frustrated Memeber - Trouble Traveling with ATM Debit Card

LMcDonald's avatar User  LMcDonald  (Opens a pop up layer) New Member

We have had nothing but great experiences using our debit card and credit cards overseas from Japan, Israel, Eastern and Western Europe.  Our only problems is doing travel notification more than one trip in advance.

Re: Frustrated Memeber - Trouble Traveling with ATM Debit Card

BrianaHartzellUSAA's avatar User  BrianaHartzellUSAA Community Manager


You can contact USAA by phone from cambodia using the following numbers:

Phone Number: Cambodia
AT&T Direct Instructions (Opens Pop-up Layer)
Available from Public Phones in Phnom Pehn and Siem Riep only.

Direct or Collect

  Direct or Collect
Phone Number: 210-498-2722
Hours of Operation: 24 hours a day, 7 days a week

You can also start an email conversation with us or fill out this form


I recommend you call so you can get the fastest service to resolve the issues with your ATM cards.


Please let us know if there is anything else we can do for you.

Re: Frustrated Memeber - Trouble Traveling with ATM Debit Card

RussG's avatar User  RussG  (Opens a pop up layer) Visitor

I have been with USAA since 1984 and you would not believe the things they have done to me.  As for the ATM debit, they have cancelled both of mine and left me with no way to get money.  On a number of ocassions I have called USAA and placed a travel notification only to find it was never done.  Now I will place the notification and check again the next day.  I make payments on my credit card and they back date the payment and apply it to the wrong month.  Even though I have no min payment due on the credit card they still have taken money from the checking account and placed it on the credit card ??  Trying to talk with the reps is like speaking to a rock because they do not know what they are doing.

Re: Frustrated Memeber - Trouble Traveling with ATM Debit Card

BrianaHartzellUSAA's avatar User  BrianaHartzellUSAA Community Manager


Hi RussG,

I am very sorry about the service lapses you have had to endure. I know I cannot change what has happened in the past, but I would like a specialist to review what has happened to make sure another long time member like you, does not experience something like this in the future. We would appreciate you sending us a message here with the best way to contact you so that we can reach out and get further details.

Re: Frustrated Memeber - Trouble Traveling with ATM Debit Card

To Much May Be TOO M's avatar User  To Much May Be TOO M  (Opens a pop up layer) Visitor

LoL - same problem, USAA stranded me in another country without the use of my card. It took over an hour to find the correct number to contact them, as it seem their security dept who locks the cards have regular working hours... which are not consistent with the different overseas timezones.

Now this "locking with out notice" is not limited to overseas. Live on the east coast, shop in 3 different states, one of which I lived in for 5 years. Traveled down the east coast and to the west coast without any problems... Then wouldn't you know it, traveling back from a 4 hour shopping trip in the next state, where I use to live, late at night when everything is closed, needed gas to get home... and wouldn't yor know it, USAA locked my card and stranded me. Hours spent trying to get it activated so I could get gas and go home.

I now carry a "trusted" card, from a different credit union that provides customer service.

Use of the USAA cards are now limited to an area of 20 miles fro fear of being stranded again!

Thanks USAA, you have gone a long way over the years, worked very hard, at loosing customer trust...

Re: Frustrated Memeber - Trouble Traveling with ATM Debit Card

RussG's avatar User  RussG  (Opens a pop up layer) Visitor

Looks like you are another happy USAA member.   The problems are not only related to ATM cards, consider this.   When my son garduated with his MSEE I purchased him a new Honda car.  Good thing for a father to do.   To make the story short 1 year later the car was stolen and destroyed in the process.   USAA in all thir wisdom gave my son $8000 for a 1 year old Honda.   Now where can my son purchase a Honda for $8000 ??/  The answer is no where especially not in Hawaii where he was living and the car was insured.


Good show USAA, take advantage of the young man because he didn't realize he did not have to accept your little offer.   Oh yes, he has a new car but is it insured with USAA, the answer to that is NOOOOOOOOOOOOOOOO !!!!!!!    Another satified  customer.

Re: Frustrated Memeber - Trouble Traveling with ATM Debit Card

RussG's avatar User  RussG  (Opens a pop up layer) Visitor

Now just what good would it do for me to leave you a message on how to get in touch with me.   I doubt if USAA would know how to call me in Thailand, they surely do not know how to write script, so the address would be proper  to send me a letter.


That is a big problem with USAA, trying to get a new ATM card when you live in a country where English is not the   main language.

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