I'm gunna just start off by saying USAA has reasons for those kind of payment holds, there is about 8 reasons if I can recall correctly. If this was your very first payment that's a reasonable reason USAA would put a payment hold on your account. Ultimately to verify that funds are available in that account. I'm sorry friend.
I can understand your frustration! If you please send us an email to email@example.com we will get a specialist to look into why your funds are on hold. (please include your member number and the best way to contact you)
Just for general knowledge, the Funds Availability details (in the depository agreement) can be found on page 20 of this PDF document.
Thank you and Happy Valentines Day!