ssh Access Denied

Ok I know the password, I know the account, and I know it has ssh access but I keep getting access denied.

Problem is you have exceeded the failed logins set in /etc/ssh/sshd.conf   If it is set at 0,1, or 2 it is kind of low (depends on how secure you want it) go ahead and up it to 4 - 6 or so, probably not a good idea to set higher.

Also check your pam_tally or pam_tally2 and see how many fails are listed for the ssh user.

#pam_tally --user sshguy  or pam_tally2 --user sshguy
to reset the tally
 pam_tally --reset --user sshguy or  pam_tally2 --reset --user sshguy

I believe the pam_tally will also affect user logging in at the console as well.