Amex Prepaid Card Complaint

Amex Prepaid card department,

General purpose card Unauthorized transactions/trans. issues Maryland

I have direct deposit with Bluebird Amex prepaid card. On - - I tried to pay my - - cell bill. Because I had not used the card for some time, I could n't recall the zip code I had on file with Amex. So the - transaction, the rep of -, processed declined due to me giving the wrong zip code. I guessed 5x's.They all declined, then I finally gave the accurate zip. And it was approved. Now why would Amex hold - $71.00 declined transaction. This is my paycheck, $350.00 of my money has a hold. I am so perplexed about them holding funds for declined transactions. I ca n't get any cash of my paycheck. This is not credit. I need my funds to get released asap.I have - and it should be - approximately. Please help. They said I have to wait 7 days even declined transactions. I spoke with - they stated they have to give the merchant time to collect on declined transactions. I need my money to pay bills. Please help get my funds off of hold status.