Referenced Account is currently locked out

Question

Was setting up a new account on my laptop for my wife (luckily I did this. You'll see why in a minute.) and after I finished I took a shower. Came back to the box, typed in my credentials and I got the message "The referenced account is currently locked
out and may not be logged on to". For the life of me I cannot figure out how this happened. I am able to log onto my wife's new account just fine but from her account I cannot figure out what is causing the issue. The native admin account is disabled
along with the guest account. And no, I did not change the name of the native admin account, use it, and then disable it. My account is the first account created on the box with admin rights.
Facts:
-Any and all attempts to view Group Policies is met with an access is denied message as a standard user (didn't know I had that much security enabled, maybe it's by default?)
-Any type of account management cannot be done as a standard user.
-I poured over hundreds of logs but could not find anything out of the ordinary. I cannot access security logs as a standard user.
-Default account lockout time is 30mins after 5 attempts, I've waited over 3 hours (I know this from memory)
-I did not enter incorrect password attempts prior to the lockout. The very first attempt was met with the lockout message
-My account password does not expire and neither does my wife's
-I am using Win7 Ult-64 on an i7-3630QM 2.4, 8GB ram
-A fresh install is not an option and neither is an NT password reset. I have encrypted files I cannot lose access to.
-I am at my wits end.
Mods, I apologize if this post is in the wrong spot.
I need some assistance, I've boxed myself in and can't think my way out. Suggestions?
Thanks in advance!
Matt M.
Frustrated User
Edit: I am able to access the Computer Management window under Admin tools in the CP. Local Users and Groups > Users, I can see all of the users and view their properties. As I mentioned before, Admin and Guest accounts are disabled. The properties on
my account are:
User cannot change password: NOT checked
Password never expires: Checked
Account is disabled: NOT checked
Account is locked out: Checked
Obviously any attempt to change as standard user is denied.

Answer 1

Hi Kent,
It's not urgent right now
I can create new accounts and assign them but what i need to do after creating new account? For example, i will create an account which name is sccmadministrator2;
Now i have 2 accounts in Primary Site 1
sccmadministrator: soft. dist. account
sccmadministrator2: client push installation
Do i need to same thing in Primary Site 2???
Is it OK?
I don't think so, i already 1 account in Primary Site 1 and there is no problem but after activating primary 2 it was getting error "the referenced account is......."
then i created an account assign it for soft dist. and client push in Primary Site 2...
Now; Per site 1 network Access account but the same error..........