Capital One customers faced a frustrating morning as a technical issue caused widespread disruptions to account access, deposits, and payment processing. The outage, attributed to a third-party vendor, impacted thousands of users across various banking sectors. While services are expected to gradually return to normal, the specific nature of the technical issue and the extent of the impact remain unclear.
Frustrated Capital One customers took to social media Thursday morning to express their discontent over widespread account access issues. Complaints poured in on platforms like X, with users venting their frustration and demanding explanations.
One customer quipped, 'All I know is I better wake up to a direct deposit and an apology letter,' while another labeled the situation 'absurd,' questioning, 'How can you treat your customers like this?' Capital One acknowledged the disruption in a statement, attributing it to a technical issue affecting customer access to accounts, deposits, and payment processing. The outage, which commenced around 6 a.m. ET, according to Downdetector.com, impacted approximately 2,000 users at its peak. The frequency of complaints gradually subsided around 9 a.m. Capital One clarified that the service disruption stemmed from a technical problem involving a third-party vendor, Fidelity National Information Systems (FIS). This vendor provides crucial credit card processing and a range of other solutions vital to Capital One's banking operations. The outage affected customers across various sectors, including consumer, small business, and commercial banking. In a statement posted on X, Capital One assured its customers that they were actively collaborating with FIS to resolve the issue and restore services, expressing their sincere apologies for the inconvenience caused. FIS, in a separate statement to FOX 5, confirmed that the disruption originated from a local power outage at one of their data centers. They emphasized their commitment to restoring the affected applications with utmost urgency and apologized for the impact on both their clients and the customers those clients serve.Capital One sent an email to its customers Thursday evening, projecting a gradual return to normal service throughout the night and anticipating the resolution of most issues by Friday morning. The email reassured customers that once the systems were fully operational, all delayed deposits and transactions would be processed promptly. While Capital One acknowledged the service disruption, they remained tight-lipped about the specific nature of the technical issue and the exact number of customers nationwide affected. The bank also refrained from disclosing whether the outage had triggered any security or fraud-related concerns. This outage coincides with a series of recent banking service disruptions, including Citibank's recent mobile account access issues and ongoing problems with fraud alerts. Capital One itself faced a lawsuit from the Consumer Financial Protection Bureau earlier this month, alleging misleading practices regarding savings accounts—an allegation the bank has vehemently denied
Capital One Outage Technical Issue Third-Party Vendor Customer Disruption
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