If a creditor is putting a hold on your account, then the creditor may have a judgment against you for a past due debt. You may have to show the appropriate court the funds in your account are exempt SS and VA money. You may be able to call your local legal aid sciety about asserting these exemptions.
THESE COMMENTS ARE NOT LEGAL ADVICE. They are provided for informational purposes only. Actual legal advice can only be provided after consultation by an attorney licensed in your jurisdiction. Answering this question does not create an attorney-client relationship or otherwise require further consultation.
A judgment creditor may use a freeze or hold to get the money you owe on a judgment. As a judgment debtor, rather than debtor prison in this country we go a more civil route and use bank freezes and liens as the mechanism to pay off debts.
See and hire a lawyer to explain your options and perhaps your lawyer can find out what the nature of the judgment against you is.