Capital One service disruption class action lawsuit overview:
- Who: Plaintiff Daniel Zepeda filed a class action lawsuit against Capital One.
- Why: Zepeda claims Capital One left thousands of customers unable to access their bank accounts, process payments or receive direct deposits for multiple days in January.
- Where: The Capital One service disruption class action was filed in Virginia federal court.
A new class action lawsuit claims Capital One left thousands of its customers unable to access their bank accounts, process payments or receive direct deposits for multiple days in January.
Plaintiff Daniel Zepeda argues in a Jan. 22 complaint that Capital One’s alleged negligence, breach of contract and unlawful conduct left its customers unable to access their funds and deprived them of the ability to purchase essential items such as food, clothing and shelter.
Zepeda wants to represent a nationwide class of consumers who held a Capital One account and were denied access to their accounts or funds starting Jan. 15.
Zepeda claims Capital One experienced an outage on Jan. 16 that left its customers unable to access their bank accounts, process payments or receive direct deposits through Jan. 18, which he argues coincided with the mid-month pay period.
“As a direct and proximate result of the actions described above, Plaintiff and members of the proposed classes have been damaged,” the Capital One service disruption lawsuit says.
Capital One class action claims customers unable to access funds caused ‘significant hardship’
Zepeda argues that, while the system was down, Capital One customers were unable to access their funds, which he claims caused them significant hardship and left them struggling to pay for essential needs such as food, rent, electricity and gas.
“Additionally, the inability to pay household bills led to the accrual of late fees, further compounding the financial strain,” the Capital One class action says.
Zepeda claims Capital One is guilty of breach of contract, negligence, conversion and unjust enrichment and of violating California’s Consumer Legal Remedies Act and Unfair Competition Law.
The plaintiff demands a jury trial and requests declaratory and injunctive relief and an award of actual damages, restitution and interest for late payment for himself and all class members.
Earlier this month, the Consumer Financial Protection Bureau filed a lawsuit against Capital One over claims the company cheated consumers out of more than $2 billion in potential interest earnings on their savings accounts.
Were you unable to access your Capital One account in January? Let us know in the comments.
The plaintiff is represented by Glenn Chappell of Tycko & Zavareei LLP.
The Capital One class action lawsuit is Daniel Zepeda v. Capital One Financial Corp., et al., Case No. 1:25-cv-00114, in the U.S. District Court for the Eastern District of Virginia.
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402 thoughts onCapital One class action alleges customers locked out of accounts for days
I was affected by Capital One’s closing of accounts in January and it was very unfair. I know things need to be done but why not way after hours?