WASHINGTON — System issues at Capital One have left customers unable to access some of their funds since Wednesday, with the company saying most service should be restored sometime Friday. 

The problem began on Jan. 15, when Capital One said in a statement an error with one of the bank’s service providers caused issues with direct deposits, payments and transfers. 

For some customers, that meant they weren’t receiving their paychecks on time. For others, it meant they couldn’t make certain electronic payments on bills. 

“As of 8:04 a.m. Eastern, there were nearly 3,400 reports of outages, according to Downdetector. That’s up from around 2,100 reports early Thursday. Most of the complaints appeared to be coming from the eastern half of the U.S., but there are reports of problems as far west as Arizona and California.

The company said that 90% of the problems reported by customers related to deposits. Account balances made up 7% of reported problems, while online login comprised 3%.” 

The company said service would be restored for most customers sometime Friday, with the majority having service restored in the morning. 

“Once the systems are restored, we will process all deposits and other transactions that have been delayed,” Capital One officials said in an email to customers “You will be able to see those deposits and other transactions after they have posted by visiting us online or through the Capital One Mobile app.”

Customers took to social media to express anger with the days-long system outage, with many complaining about the problem with direct deposits. 

“I understand situations arise beyond your control, but as a big company how is it taking this long to restore direct deposits?  I am in need of my paycheck, unfortunately my bills are still due.  We need a ETA,” one customer wrote on X.

This is the first recent major outage from Capital One, but similar issues plagued Chase and Wells Fargo last summer. Neither of those outages were explained publicly, but were resolved within a day or two.