With the help of tech support I was able to resolve this issue.
turns out that my verizon wirlesss sign on ID had a special character in it. The "My Verizon" app specifically says no special characters numbers and letters only (upper case or lower case letters). so after logging into verizon wirless from my computer and changing my user ID, I was able to log into "My Verizon" from my Phone.
Verizon needs to send out a techincal bullitin to tell poeople that if they have a special character in their user name they need to change it. it would save alot of grief for people who purchase new phones and want to get them working when they get them.