Can they freeze your account if someone else uses your ATM card that was taken out of the mail box in front of your house where you told the bank not to send it?

only if that person knew your pin number. in that case your acct would be frozen for your securityand you would go into branch to open an new acct. all funds from old acct (frozen) would be transferred to the new acct immediately and they would advise you to use a different pin # and if you do online banking they would advise you to change all pasWords as well