Bluebird by American Express Unethical, Injustice Nationwide

I have maintained a Bluebird account for nearly a year now, with no issues whatsoever.  My disability income is direct deposited to it monthly.  Today when I went to the website and attempted to log in to view my account, a message comes us that says "for security purposes, your account has been locked.  Please call customer service at 1-877-486-5990 to unlock your account."   I was a bit aggravated to have to waste my time to call, but I figured it was merely an issue where someone had entered a wrong password or something that had locked the online account.  Although I didn't understand how that happened as I'm the only one that access the account.  

So I called customer service, and of course was greeted by a rep who barely understands or speaks English.   She proceeds to say she needed to transfer me to a security specialist.  The representative there informed me that my account has actually been closed because of suspected fraudulant activity on the account that is against the terms and conditions of American Express.  I was flabergasted.  This is a prepaid account.  My disability goes on it..I pay bills and use it for everyday purchases like gas and groceries.  There has been no questionable activity on my account whatsoever.  I advised the rep of this and that clearly there must be some error and I want to request an investigation. Their response was "well your account is aready under investigation that's why it was closed."  I repeatedly asked for an explanation of WHAT activity they are questioning, to which I received a reply that they would not tell me that.  So..they accuse me of fraud but refuse to offer any explanation of what they are basing the accusation on.  This is NOT right.   After being on hold for an unimaginable length of time and being repeatedly denied access to speak to management, I ultimately told the representative to overnight a check for my balance to me.  He said they could send it out within 10 days but "they don't have an option to overnight anything."   

I am absolutly appalled by the pathetic treatment I have received and I will NEVER have any respect for American Express.  If they are going to deny me access to my money for no reason that they cannot even acknowledge, must less justify, then it is completely unacceptable for me to have to wait 10 days to receive a check for MY money.  In addition...I am rather sick of every single customer service call being directed to India or Pakistan.  Seriously..as much money as American Express makes off of Americans, one would think they could afford to pay American workers.