This is at least partially due to it being a bunch of different legacy systems from different companies. I have two completely separate accounts with Capital On

This is at least partially due to it being a bunch of different legacy systems from different companies. I have two completely separate accounts with Capital One (one from ING before they were bought out, and one for my Capital One credit card), with the same user name. I would hope that they're working on integrating the systems, but I can't imagine it being a simple task.