Capital One is being sued by the US government’s consumer watchdog agency for “cheating millions of consumers” and not paying more than $2 billion in interest to holders of its high-interest savings accounts.

The U.S. Consumer Financial Protection Bureau is suing Capital One, claiming the company cheated customers out of $2 billion by misleading them.

Capital One customers are reporting problems with their accounts, including trouble accessing paychecks and having debit-card purchases declined. Thousands of users reported problems with the bank to Downdetector,