Capital One Credit Card Complaint

Capital One Credit card department,

Transaction issue Oregon

I have been making payments on my Capital One account from my bank account for approximately a year. Every now and then they do n't make my payment available in my my credit limit and they put a hold on my payment, even though it has cleared the bank. The randomness of this is frustrating. My last payment they once again put on hold, my wife, an authorized user, was informed when she called in to see why payment was not reflected in our available credit. Several days later she called in to check the balance and available credit and was directed to the fraud department. They indicated that they have put a restriction on my account because they need to verify that the bank we have been making payments out of for over a year, belongs to one of us. WHAT? They told my wike that I needed to call and get on the phone with them and my bank. While this sounds simple enough, my problem with this is how these credit card companies can get away with accusing us of fraud and keeping my payment on hold when the funds have already cleared my bank. The fact that they are treating us like we have done something wrong when we have been making payments on time out of the same account for over a year is not right. I have not called them because it is a matter of principal and I feel like they are using delay tactics and harassing us for no good reason. I would like them to release the hold on my account and to stop finding reasons to delay my funds.