Because I did not want to set a limit on letters, numbers or special characters I set min to "0" and Max to "20" for each (the max # of characters I am allowing) which took care of the issues I was having. I am so glad it was just an unsderstanding error that may help someone down the road! I will now just feel a little stupid and carry on!!
Could those values be left blank to achieve the same result I was going for? I may test that out too.
Thanks Jason and Chris for being there in a time of need :)