Capital One Disaster
Wow, if you thought Capital One was a disaster before this new downloading procedure, you would be wrong. The new download system is so horrendous it is almost enough to make me consider other options.
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I feel like I'm missing something that everyone else is complaining about.
All I have to do is re-connect when I want to import from Capital One, which I do once a week or so, then import the transactions. Is there something I'm missing here?-
Karabats Yes. You are missing indignation and impatience. 😉
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What does that have to do with CapOne? :P They are doing everything to keep your account and your money secure. That is their goal. Third party imports that they have to work into their security systems are bound to have a harder time, especially third party transaction imports. :)
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I've been doing ynab for a year and have never had that much trouble with C1, but since Plaid took over, imports have basically dropped off a cliff and if I hadn't just re-subscribed I'd be looking for an alternative. C1 is my daily card so it isn't practical for me to constantly import tiny charges. Well it was back when I was in real debt! But now that I'm in maintenance mode I'd like something that doesn't require ages of work.
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Spring Green Tiger I've just replied to your email—I think we can get this fixed!
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Matthew Fix worked perfectly! Thanks for getting this resolved quickly!
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Spring Green Tiger Phew—so glad to hear it!
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I am not interested in leaving YNAB but we use Cap One for everything because of the cash back. We even have an auto loan though them. I hope there is a work around happening. I can wait because I love YNAB and I know it's Cap One trying to protect me and them, but it is annoying.
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PerceivingPerdita There's a fix....go through the account troubleshooting prompts and they'll email you with directions!
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Peppr2 Try this link to report the issue; that is what I meant by troubleshooting prompt; sorry if I led you to the wrong thing!: https://youneedabudget.typeform.com/to/pI0042
I had the same problem you had re: deleted account, but I did not delete, merely "close" and then opened a new account (like you I did not want to lose my data). I closed account and opened a "new" one (same bank new account in YNAB), tried to re-link and got a "tweet your bank" message! To close the account first I did a reconciliation, then closed the account (did not delete), and deleted the connection (not the account). Then I created a new account in YNAB and attempted to make a new connection...then I got the error message/tweet your bank message. So after I hit that dead-end I did it in the reverse order: I did the bank connection troubleshooting form I linked to above, closed the recently created new account (actually deleted it since there was nothing in it to save), re-opened the old account, re-created the old bank connection (still didn't work), then I deleted the reconciliation and hand imported all the transactions I had missed since the PLAID update (there were 30 of them!!). It was miserable. By that time I had a solution from tech support though, so I just followed their instruction (they did everything-- all I had to do was attempt to log-in with my credentials again).
I feel like there is some way to re-wind in YNAB and hopefully get that account back for you! Like does YNAB save our history and you can re-wind to a previous spot (not unlike Google Drive).
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Spring Green Tiger yes, sorry, I jumped in and deleted my message, probably while you were responding because I realized I had not done the thing that I had thought I had done. Dur. I shouldn't try to fix computer-y things as my first action on waking up!!
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I need help with this too... not seeing troubleshooting prompts. Just a message that says I should contact Capital One to let them know they're messing up the ability to connect accounts. I'm about ready to leave Capital One... not just because of this issue though. Took 2.2 hours on hold to talk to a customer service rep yesterday about an undisclosed fee they charged me to send me a replacement card.
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cmoss25 There's a link on the top right of this forum:
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It doesn’t look like this is the right step... the webform requests that you check the status page for issues before submitting a request. When I go to that page, the latest message is that there is a problem that they’re working on but that Capital One customers should make contact with Capital One to let them know that connections with 3rd party applications are necessary. Is this out of date? Looks like Matthew from YNAB is suggesting another approach only 7 hours ago?
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Hi cmoss25 !
You can continue through the form to reach out to our Direct Import team, or go through the YNAB app directly to reach out to our team. We can then take a closer look at your account connections to see what options we have. :)
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I haven't been able to download from CapitalOne for weeks and it's beginning to drive me crazy. I've tried to login about 20x with my username, password, and 6 digit texted code but it won't ever connect. How do I get this corrected?
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Coral Jackal Please contact support using this form.
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CapitalOne and USAA. We added our Capital One account right after the Plaid transition and it worked once and then it was requiring us to re-validate everything again. USAA, after Plaid, we have 3 accounts linked in our budget. Now we enter 2FA 3-4x and after the 4th time, sometimes it works. It's become such a headache that I'm not sure why we're paying for YNAB at the moment until they get all of these Plaid issues ironed out.
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Purple Leopard Yikes, twice is bad enough! We're working on a solution for those multiple reauthorizations. I see you submitted the form (thank you!) and our importing team will be in touch soon.
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Nicole wow! Thanks for the prompt response! It's quick support like this that keeps me around.
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It's not just Capital 1. BofA also no longer connects. I think that YNAB is not following the financial institutions security protocol, maybe for a good reason they are not sharing, and that's why things all shut down. I am very frustrated. The bank does not list YNAB as a 3rd party institution that is following their security protocol. I wrote to YNAB and have yet to see a response. Has this been a problem for others?
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Maroon Orca I'm sorry you're feeling frustrated! The current Capital One details are over on our status page. Though, I see you wrote in—and one of our import team will dive into those connections for you soon. We use data aggregators to pull in information, so while I don't expect YNAB to show in that list as a direct integration—if the security protocol isn't able to be supported by our provider, that is a detail we'd know—and share. Our importing team will have more detail for you there!
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Is there a fix for this? I have been having trouble too. I basically have to reconnect every day. This morning it wanted to reconnect literally 2 minutes after I just did it. I have to reenter my user name, password and then I enter a code- not once but twice. It really defeats the purpose of having something automatically connected. I'm almost doing it manually at this point.
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Meghan I'm sending you an email now!
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I'm so glad I'm not the only one having the connecting issue with Capital One. I really how on top of it the support team is at YNAB! This is what keeps me around. Hang in there guys!
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I am struggling with this right now. I had gotten used to the authentication text to get it to sync. Now, I cannot get it to authenticate at all.
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Hi Doug Harvey !
Sorry for the trouble! When you have a moment, please report a Bank Importing Issue and our Direct Import Team will help you get things back up and running! :)
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JW I am also having problems since the change. I just started a new budget and when I went in to connect Capital One, it showed a balance of 0.00 (which it is SO not). Same thing today even though it says the connection is "good." Are you having any luck?
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Hi Amy !
Have you had the chance to report a Bank Importing Issue? Our Direct Import Team would be more than happy to take a closer look at things for you! :)
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I went back on the program and went thru the guided bank reset. So far it has been brilliant!
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I am having the same issue. It stopped syncing and I unlinked the account, deleted the connection and when I tried to recreate the connection, the app asked me to call the bank and tweet them which didn't make sense to me. I reported the issue to YNAB.
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Festive Healer Sorry for the trouble! That definitely sounds odd (tweeting the company wouldn't fix the issue). Since that's been reported to support, our Direct Import Team will take a closer look and follow up with you! :)
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For the first time in a year my Capital One actually stayed connected for over 24hrs.
However, as of four days ago it's now not importing any transactions at all. It's behind by almost 6 days.
Can we please get some help with this. This has been going on for far too long.
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Hi Ryan Farmar !
Sorry for the trouble! Please use this form to report a Bank Importing Issue and our Direct Import Team can look into your accounts specifically. For some YNABers, our Direct Import Team is able to switch providers or offer other solutions!
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I've been having trouble with CapitalOne for a while. First it worked, then it worked, but I had to manually import each day with the SMS verification, then I had to login each day and do the SMS verification, and then it stopped working all together. It wouldn't import or prompt me to reconnect. I archived that budget and deleted the account so I could setup a new one. But it's telling me "Couldn't connect to your institution".
Is there something that can be done to get me back up and running? Should I just fill out the Bank Importing Issue form? -
Adam Crownoble said:
Should I just fill out the Bank Importing Issue form?Yes.
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I see a lot of traffic on this and other Capital One issue specific threads that references the bank importing issue form. However, I would like to see some sort of guide specifically for Capital One. Common issues that we could all check on before contacting support. Does 2FA need to be enabled? Any other security settings within Capital One that should be on/off, whatever? Since it's so problematic, it seems like there should be more specific guidance for Capital One other than:
Spring Green Tiger said:
go through the account troubleshooting prompts and they'll email you with directions!Why not publish said directions somewhere?
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Hey, Orchid Case ! Those directions are right here:
Troubleshooting Linked Accounts
It's worth running through these for a Capital One issue. Not all problems can be fixed this way, by a long shot, but some can.
If you're interested, I can give you the three basic Capital One issues that YNABers run into, from most to least common:
- You're connected using the Plaid import partner, which doesn't support Capital One. In this case, if Capital One is a very important connection for you, we can usually get you connected by switching you to MX, our other import partner. (The caveat being that MX might not support one or more of your other banks.)
- You're connected using the MX import partner, but you have a very old connection to Capital One that no longer works properly and needs to be refreshed. (This is the case where you can often fix the problem yourself.)
- You're connecting via MX, but something else is wrong. Some MX can fix this quickly, sometimes not.
In terms of how Direct Import problems present, this is actually relatively straightforward. 😖
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Hello, I just signed up for YNAB and was excited to get it started, then I realized that Capital One doesn't connect with my YNAB account. I have a Capital One checking, savings, and debit card. From this thread, it sounds like there are special instructions when connecting Capital One. Can someone advise?
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Maroon Disk Hi there! Thanks for giving YNAB a try. When you have a moment, please fill out this form and our Direct Import team will be in touch promptly to see whether we can get you connected to Capital One.
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Thanks Matthew; I'll fill out the form now.
