It is a federal law, not state law that governs electronic transfers. The Electronic Funds Transfer Act (EFTA) See section V particularly, and "Procedures for resolving errors" following that section for provisional credit requirements. It won't take weeks.
USAA will follow these rules. It is unfortunate that you were defrauded, but you're not the first and unfortunately you won't be the last.
I have asked a banking specialist to look into your situation further and contact you personally. I apologize for the inconvenience this situation has caused. Thank you for posting here in the community.