Your statement doesn't make any sense. A quick search of LinkedIn shows:

    2,798 results for capital one software engineer

It's a company with a $50bn market cap, and ostensibly stable 9-5 employment. This is more of a symptom of having a ton of different products where people weren't interested or weren't able to create a unified login system.

Chalk it up to 'bad' engineering practices if you want, but not that there's no one to work at these companies.

You realize people take jobs at companies they don't want to work for all the time, right? So your statement is the one that doesn't make any sense.

Also worth noting, Capital One recently bought the powerhouse design shop, Adaptive Path. I think they recognize the need for for better UX

It's organization debt or the difficulty of getting such a large organization to gather enough inertia to make a move.

I don't even think it's bad engineering practice. It seems like rather reasonable and efficient UI.

12+ separate logins is, imho, neither reasonable nor efficient.

This is so, so very wrong - Capital One is crawling with software engineers, they're considered way ahead of most other FIs with what they're doing. The history of Capital One is why this happened - it has acquired so many things and grown horizontally so quickly that they're struggling to catch up.

I don't get it.

there are 16 different sign in pages for consumer products alone.

And therefore...?

it bothers the minimalists

yep. I rather like it -- all in one page - just scan the page. not 6 levels deep of menus and clicking.

I suppose they could have a single drop-down box and a login button.

really bad UX?