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Deposits and withdrawals. I am submitting a complaint to the CFPB regarding Capital One 's failure to process my direct deposit from my employer, as well as other incoming deposits. Capital One has attributed this issue to technical problems, which may constitute a violation of the Electronic Funds Transfer Act ( EFTA ), as it mandates timely access to funds. This situation raises serious concerns about potential breaches of consumer protection laws, and I kindly request your assistance in investigating the matter to ensure my rights are protected. Thank you.