Flagging a larger than normal transaction is fine. Placing a 120 day hold is very much NOT fine. This should be resolvable within 24-48 hours after the business provides the requisite documentation showing the transaction to be legitimate. The root cause is a completely automated process devoid of any capability for human review like we see with so many online platforms these days.
It is a tiny amount of money comparatively speaking. They should not put a freeze over a couple of days. If there is no dispute, then their risk drops exponentially. If the amount were much higher, they should just devote more human resources to verifying the charge, and still keep the frozen period low.
