BLUEBIRD AMEX AMERICAN EXPRESS BLUE BIRD HOLDS PAYROLL DIRECT DEPOSIT FUNDS IF YOU MISTAKENLY TYPE WRONG PASSWORD ONCE NEW DELHI INDIA CUSTOMER SERVICE DEPT NEW YORK

Unless you are a pefect human who never makes mistake, are you really going to say that in all of the years you have been with them that you NEVER..EVER..EVER..even one time mis-typed your password?  Well based on how you wrote this report it is obvious you are not perfect so of course the answer is yes you have mis-typed your password in before.  Did they lock you out of everything and refuse to give you access back in....obviously not.

So here is the thing, they for what ever reason feel that your account is "at risk" and in order to save YOU from having your money taken they froze it.   This is not a RipOff and while an inconvinence may actually be saving you a lot more headaches in the future. 

Next, why didn't the call center do anything to fix it?  Was it because they asked for verification through various questions to prove you are you and you couldn't provide them?  Are they asking you to send in verification to them that you are unwilling to do?  There has to be more than you calling up and them saying they aren't going to help you.

Oh and an FYI before you start complaining about how people speak English.  You may want to take a look at what you wrote.    The other thing to think about is that you choose a totally on-line based card with no physical location you can go to.  Because if you had this type of problem with a local bank you could go down there with your ID and say "Give me my money".  Just something to think about.

     First of all, I feel your pain.  I really truly do.  But not only is the company protecting themselves, they are protecting you as well.  What if I was the one trying to access your account and succedded.  Then I would be able to spend whatever funds you had for whatever I wanted.  They were protecting your money by locking down your account.  Without more information from you, I doubt that they closed your account; as I think that they put a hold onto your account until receiving more information from you.  About 5 months ago, I had my account frozen for roughly 2 weeks because of something similar to yours.  As my bank is out of state, I had no access to my money until my new debit card arrived.  I do have checks associated with my account, but it would take longer for me to receive the checks as opposed to the new debit card.  Just count your lucky stars that it was you that made the mistake and not someone trying to get your money.