In my test environment, I have a test user that keeps going inactive. I activate him (Henry Helper) attempt to log on, mistype the password (not on purpose, but rather because I'm absent minded ) and it says the account is inactive. I go into the security tool, and sure enough the account is inactive. I'd expect a message indicating the password is incorrect or the user name and password don't match and be allowed to try again. There must be some setting I'm not understanding.