My heart goes out to you and your family. I read one story after another like this and wonder why USAA is still in business. I've lost nearly $5000. because of USAA .I think USAA needs to give everybody their money back and get the he'll out of town.
I will be droping USAA just as soon as my cases are settled. I wouldn't recommend USAA to my worst enemy.
When you deposit a large amount of money compared to the balance in your account, there will always be a 10 day hold on the funds. Your situation is fairly common, where someone saves up a lot of money to buy something specific, deposits the money, and thinks they will be able to use it right away. Usually banks will let you know this when you make the deposit about the possibility of the hold. I'm really sorry this has happened to you, but it's both completely legal and within USAA policy.
And FullBird, although you seem to be interested in giving advice, there's no need to be a jerk about it, starting every post with "You must be confused". Snark is not required this holiday season.