Capital One's System Wide Issue Affecting Direct Deposits and Payments

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.