I have a flight to catch and no deposit I already opened another account with another bank and it’s like they all have the same dumb issues?

Hey y’all I know it’s July 4th so would think DD would go through before hand but still hasn’t . This never happened before with any banks not getting paid at all .

I got an email this morning outlining Capital One's tech issues since 1/15, right on Pay Day.

https://www.cnn.com/2025/01/17/business/capital-one-outage-direct-deposits/index.html

I consider Capital One as having one of the best banking techs, UIs and customer facing software, even though they have had various back end issues for a long time. Just look at some of the threads and forum talks from employees and managers who worked in its tech space.

You can mess up a lot of stuff and not suffer much for it, but you really can't mess with people's pay checks on pay day no less. It's like a reverse "Early Pay". I can't remember the last time this happened with another bank, certainly not on this scale.

This is a massive L for Capital One, imo. I still use them but switched most of my payments out of them earlier. I'd probably drop recommending them entirely. Will still need to check if I have any payments needing Capital One this month.

Added: As many have noted, the issue is with 3rd party vendor, FIS Global, https://en.wikipedia.org/wiki/FIS_(company), which services 20,000 clients. Even though other banks and credit unions are also affected, I'm not seeing such effects with larger institutions, which I imagine FIS also service. So what is Capital One doing or not doing that made them suffer this much disruption?

9:00 PM EST Friday 1/17/2025: It seems like direct deposits are hitting accounts. As they have a backlog to go through, it might take a while, but at least Capital One has the sense not to push it off until Tuesday. Definitely was not all done by 8PM or end of Friday, but it's something. Good luck, everyone. https://www.reddit.com/r/CapitalOne_/comments/1i3vr3o/700_pm_cst_update/

PSA announcement that everyone should always have a backup account somewhere so they could switch direct deposits and payments.

Has anyone gotten their direct deposit yet via Capital One Bank? Let’s use this as a main sounding board to let each other know when our deposits start to hit, or not. If one of us gets paid, then we can all have a heads up that we should all be receiving the direct deposits. If most of us get it but some do not, at least we have a way to communicate with each other to know something is still wrong.

We are stronger together than we are apart!

FYI: I did not receive my DD yet but I will jump on here to let y’all know when I get it.

Update: I just got my direct deposit. There is hope people - yours should be coming soon. I hope everybody got something out of his feed and I hoped it helped everybody get through this a little bit easier. God bless and remember most people are good people. All we have is each other on this planet. We are all human beings. Remember that the next time someone acts like an ass to you, they’re probably doing it because deep down inside they’re hurt or lonely or both. Always take the highroad!

Anyone having issue where money isn’t coming in? My pay was supposed to come in by now 😭🤣 I am seeing alot are having the same issue when will it be fixed?

I get paid on Friday’s and I always receive my early direct deposit at midnight on Wednesday. A lot of the times it’ll even come a few min early around 11:50ish pm Tuesday. I’ve used capital one for over a year and never had any exceptions. However for the first time I did not receive my direct deposit. It’s now 6:34 AM where I am and it should’ve already deposited 6 hours ago. I am extremely concerned. This is NOT a payroll issue as I work for one of the largest government agencies and our finance department ALWAYS submit our payrolls at the same time every week. No exceptions. Is anyone else experiencing an unusual delay? I hope to god capital one not ruin my new years.

UPDATE - I called customer service twice, and was told that paychecks dated 01/01 and 01/02 will not be eligible for early pay because they have to reset their system for the new year. This is about the most BS excuse I’ve ever heard. We are not in the 90s anymore, why you don’t have your system automatically set up and adjusted ahead of time is beyond me. I think the real reason is they don’t have enough cash flow to afford paying out people’s ACH early. So don’t hold your breath. We ain’t getting it until Friday. Meanwhile my colleague who uses Wells Fargo got her early deposit as usual and will be enjoying her new years! Looks like it’s time to switch to Wells Fargo guys!

I normally get my direct deposit two days early with capital one checking, but my deposit hasn’t hit the account yet. Tomorrow is payday so I’m hoping it hits by tomorrow and really hoping this isn’t going to be the same issue we had in January where the deposits all came days AFTER payday! Is anyone else experiencing this?

So my direct depost is late again. Are we facing a repeat of the 16th?? Update i finally got it around 4pm.

I get paid on the 14th of every month, however, this Monday (the 14th) is a bank holiday so I was expecting to get paid before then. I spoke with my HR and payroll was submitted on Thursday afternoon. I woke up this morning to no incoming direct deposit, and I texted a few people I work with and they all got paid.

Are you guys having issues with capital one direct deposit? Or do you have any experience getting your direct deposit at a random time on Saturday or Sunday? I called customer service and they were no help.

I used to bank with Wells Fargo and never had any issues getting my direct deposit on time.

Thanks

Edit: got the deposit at 10:33 PST Saturday night

It would be nice if they posted some type of update given the length of time this issue has been occurring.. Are users still down?

I just got off the phone with a capital one representative and all that was said was that there team is actively working on the problem and that there team has not given a specific ETA as to when the problem will be resolved the lady told me that she hopes that it will be resolved sooner rather than later and she apologized for the inconvenience.

My paycheck didn’t arrive in my Capital One checking account on its normal day (today 02/19) once again. This happened on 12/24/24 and on 01/08/25. Capital One did not fix the issue. This is unacceptable, embarrassing, and damaging to my monthly finances and budget!!! So many people live paycheck to paycheck these days and have MANY transactions scheduled to debit on pay days. This ruins COUNTLESS relationships for me with other businesses and financial services that rely on my promise to pay by a certain date. Capital One needs to also compensate account holders for the penalties and late fees we’re getting from other businesses!!! Wtf! Where is my money?? 🤬🤬

If you like paychecks and getting paid, do not ever open a Capital One checking account.

I was wondering if this has happened to anyone. In my old job I used to have most of my paycheck go to wells fargo which I would receive by 6:30pm 2 days before my payday (thanks to early direct deposit) and the other part of my paycheck I would receive it in a checking account in capital one by 4:00pm 2 days before my payday. I started a new job a month ago and my first paycheck went directly to wells fargo (I received it a day early), about 2 weeks ago I set up a partial deposit to a new 360 savings account in Capital One. I’m supposed to get paid tomorrow, and wells fargo already made my deposit available, but capital one apparently hasn’t received it. I’m a bit confused because capital one would usually receive my direct deposit before wells fargo. Does anyone by any chance knows what may have happened?

I called capital one and they said wait until 5pm to receive it and if not they can put in a claim? I asked if it’s normal to get a direct deposit that late in the day and he said yes. Has anyone else had this happen?

Update: it was a problem with quickbooks. Got my paycheck a few hours after this post.

I'm still not getting my direct deposit paycheck show up early with Capital One.

I also have a portion of my paycheck direct deposited to a local credit union and this continues to show up early.

I'm starting to think I may re-direct my paycheck away from Capital One.

Usually receive mine a day early at 6am but as of this afternoon, I haven’t received anything. Was wondering if anyone else is having an issue with this today?

Anyone else having issues with getting your direct deposit with capital one 360 checking right now? I was supposed to receive yesterday.

Original pay day is tomorrow, and nothing has hit my account as of right now 1:55 eastern time. Last time it came 4am Wednesday. Why isn’t it consistent?