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Here is an email I got more than 24 hours after my accounts have been unavailable:

Valued customer,

Starting Jan. 15, 2025, Capital One began experiencing a disruption in our payment processing and account balance updates, which is due to a technical issue with one of our service providers.

This may have also delayed timely processing of transactions such as wires, ACH, book transfers and loan closing disbursements as well as opening new accounts.

We’re working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by tomorrow morning.

We assure you that we are taking this event very seriously and that your accounts remain secure. We sincerely apologize for the disruption and are doing everything we can to address this as quickly as possible.

Once service is restored, you’ll be able to sign in and view your account information online or through the Capital One Mobile app. At that time, feel free to call us at 888‑755‑2172, 8 a.m.‑8 p.m. ET, Monday through Friday for further assistance