Capital One's prolonged technical outage, now entering its second day, has left customers scrambling to access deposits, make payments, and transfer funds. The issues began on Thursday when the bank attributed the disruption to a third-party vendor, Fidelity Information Services (FIS). The Jacksonville, Florida-based vendor later clarified that a local power outage had impacted a critical data center, disrupting several applications.

On Friday, FIS stated that access to the affected systems had been restored and that it was working closely with its clients, including Capital One, to post transactions delayed by the outage. "Most, if not all, of that work"  would be completed Friday, FIS said in a statement. Despite these assurances, many customers reported continued disruptions, with the issue sparking outrage across social media platforms.

According to DownDetector.com, nearly 4,000 complaints were lodged as of 9 a.m. ET Friday, with 91% of users citing problems with deposits. Customers vented their frustrations online, demanding clear communication and immediate resolution. "My money hasn't come through since Wednesday! I have to pay my mortgage, buy gasoline, and feed my children," one user posted on X, formerly known as Twitter.

Capital One acknowledged the ongoing challenges, stating that system restoration was underway but not yet complete. "We apologize to our customers for this continued inconvenience," the company said in a statement to USA Today. The bank emphasized that it was working "around the clock" with FIS to fully restore functionality.

The outage comes at a particularly sensitive time for Capital One, which is already facing scrutiny from regulators. Earlier this month, the Consumer Financial Protection Bureau filed a lawsuit against the bank, alleging that it misled customers about its savings account offerings-an accusation Capital One denies.

The outage has also raised questions about the reliability of FIS, the service provider at the center of the disruption. While FIS has restored access to the affected systems, it remains unclear why the recovery process has taken so long. The company has not disclosed whether the same data center issues contributed to a recent outage reported by Citibank, which disrupted access to mobile accounts and fraud alerts.

On Thursday, Capital One attempted to reassure customers through a post on X: "We know it's important to have your money when you need it, so we apologize for any inconvenience this is causing and we appreciate your patience while we work to get this resolved." However, the response did little to assuage public frustration. One customer sarcastically referenced the bank's slogan, posting, "What's in your wallet? Nothing if you bank with Capital One."

Adding to the frustration, customers reported difficulties reaching Capital One's customer service representatives, with some claiming their calls were abruptly disconnected. "Something is very wrong," one user tweeted after being unable to get through to support.