It doesn't look like you are doing anything wrong.
I tried to recreate the problem on my end and couldn't.
If you look at the source for htmlfield it should not be calling field-
label in this situation.
https://github.com/brentonashworth/sandbar/blob/0.3.0/src/sandbar/forms.clj#L104
Also, be warned that htmlfield is only for displaying information like
text or images within a form. The text box for entering the captcha
should be another field.
If you can't resolve the problem then open an issue on GitHub and make
sure to include some code that I can use to re-create the problem.
Thanks and good luck,
Brenton