I have been without access for 4 hours now. I have been with Capital One 360 since they were formally ING Direct and this is the first major outage I have experienced with them. Other than today, I have had a wonderful experience with their web and mobile apps. They say they haven't been hacked, but there is no ETA on a fix and no information into the nature of the outage. I was able to use my debit card, so I assume the sky isn't falling - but unnerved to say the least.