Capital One issues

Once again there are issues with bank connections to Capital One for the past two days. 'Delayed' is the error message. I can only surmise that the bank may have changed something. FWIW, the Personal Capital app is able to handle these changes where YNAB is not, in PC there is an option to click on the error and select 'fix account', whereupon the bank sends a 6 digit code which resolves the issue. 

YNAB's importer is frequently not able to resolve anything on a timely basis and seems to be some sort of second class citizen in this area. My Chase account only connects after a 2 factor verification step twice a day, every day. Despite the fact that other softwares can manage this without the 2nd factor after the initial setup and verification. 

 

YNAB, your bank connection feature and it's consistency and reliability sucks. Please do not tell me how this is a free extra either, it is core functionality at the price you are charging. The subscription model implies a level of service. 

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  • It worked for a day, now it's not working again. 馃槬

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  • Same situation for me... CapOne bank account appears to be connected but importing nothing.  My CapOne credit cards seems to be working although delayed. 

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  • This is getting SO irritating. I literally paid for my annual subscription for the first time and then 2 days later stopped being able to get imports - APRIL 23rd was my last! 

    For people who have been users for a while, how often is this an issue??

    Like
      • Melissa
      • liss
      • 6 mths ago
      • Reported - view

      NMD I have not been able to consistently and correctly import from Capital One since I paid for YNAB in January. So...

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      • NMD
      • Forest_Green_Major.7
      • 6 mths ago
      • Reported - view

      Melissa urgh

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  • I'd call this the second long-term outage since the first 5 months ago which led to my OP. The first one lasted for a month or two. 

     

    Today the Cap One app (not YNAB) has started asking for second factor authentications every time the app is opened. Not a good sign ;). There will be coding fixes required from third part accessors I think...

     

    Time to just start clearing your transactions every few days manually and stop waiting for import. Eventually they will get it fixed.

    Like 1
      • NMD
      • Forest_Green_Major.7
      • 6 mths ago
      • Reported - view

      Cornflower Blue Sloth Do you mean manually adding the transactions? I'm new to this so dont know what you mean by clearing the transactions every few days as none are coming through!

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    • NMD Somewhat. 

      I have all of my regular monthly bills and pay checks (mortgage, water, electric etc.) entered as recurring transactions, that way you can see then greyed out in the register before they post on the date you have entered. So for instance, my paycheck comes every other Wed., I have it entered as recurring every two weeks. On Wed. morning it pops up for approval, if the link is up it'll match when the transaction imports. Usually I will look at the bank app and check the amount, it is off a penny usually which you need to fix on the YNAB side so it will match properly. Once you accept it in YNAB the next check two weeks later will come up in the register, greyed out because it is in the future. In the case of things I have auto-debited such as electric, I record and budget for the recurring  transaction with a guess of the average amount. When the statement comes from the utility it tells me the actual amount of the charge and the date it will be debited. At that point I update that entry in the register for the correct amount and date. 

       

      The other group of transactions is stuff that is not recurring, if I go to the store and spend a hundred bucks I pull out my phone and record it, a lot of times the vendor name is filled in correctly when you add a transaction because it does the GPS lookup thing. Just enter the amount and choose a category, 20 seconds of effort. 

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  • Hi everyone!

    Sorry for the trouble you're experiencing with Capital One. An authentication security requirement was changed on Capital One's end, so our Direct Import partner is currently working on rebuilding their integration to properly work with this new security setting. This is currently a widespread issue and we'll list any updates on our status page.

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    • Faness This is a major issue for me.  My financial adviser recommended YNAB and I had planned to purchase, but during my trial it hasn't been able to import transactions from my bank accounts.  Without this automation the software is useless to me.  

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    • Slate Blue Motherboard I'm sorry you're running into a connection issue during your trial!

      We're on it and working with our import partner to rebuild the integration to incorporate the new security setting.

      It is a widespread issue and can take some time to implement a fix, we'll list any updates on our status page. To bring in transactions, I hope you'll give File-Based Importing a try鈥攚hile we work on a resolution!

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    • Two things..

      1) 2 factor authentication would not be a problem if it didn't take so long. Also sometimes i have to try 2 or 3 times. 

      2) People who compare yNAB to mint and quicken... Unless those products have changed in the last 5 years there is no comparison of YNAB with them. It's apples and oranges. If you don't think this is the case you may not be using YNAB correctly.  Or mint and quicken have changed in what they offer customers.

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    • Hi Cadet Blue Drill !

      Sorry for the trouble with Capital One! The new security requirements, enacted a few months after this thread was initially posted, have made daily re-authentication the expectation. Our import partner is working to smooth out the process as much as possible, but we don't expect the requirement to change in the near future. If you reauthenticate the account and still can't connect, that's not expected behavior - let us know if that happens and we can take a closer look at things! :)

      Also, we appreciate you noting the differences between YNAB and our competitors. We have a different approach to budgeting and we know it can be difficult to grasp at first, but we know it's worth it! ;)

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    • Faness it takes a few tries but each attempt takes minutes... It's very slow

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    • Cadet Blue Drill I sent you a quick email to see if we can make that process any smoother.

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    • Faness new importer works great so far!

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    • Faness  update on the new importer. The 2 step authentication still not working consistently.

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    • Cadet Blue Drill Hmm, it looks like you're still connected with the previous one. 馃 I sent an email so we can get that changed for you!

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  • I haven't been able to link, either.  Says that the site is under maintenance, but it clearly is not. I can login directly to the site just fine.

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    • Slate Gray Lion Sorry for the trouble! This is a widespread issue and our Direct Import partner is currently working on a fix. 

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  • YNAB hasn't imported any of my transactions in over a week. Sucks.

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  • Same issue here for the past couple of weeks. I checked out the status page linked above, but there hasn't been an update since May 1. Any further news? Anyone having luck with updates?

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    • Tomato Grizzly Navy Blue Lightning Sorry for the trouble there! 

      An authentication security requirement was changed on Capital One's end, and our Direct Import partner is currently working on rebuilding their integration to get the connection up and running again. This is currently a widespread issue and they're on the case!

      Like
  • No transaction update from Capital One's since April 23. all most a month with the issue persisting, this is not the kind of service level we expect to see for paying all most $100 a year.

    Like 2
    • Purple Cyborg Sorry for the trouble! This is a widespread issue and we're working with our Direct Import partner on a fix. An authentication security requirement was changed on Capital One's end, so the integration is being rebuilt, to properly work with the new security setting.

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    • Purple Cyborg I agree. I want to say I get it and understand. However, free service Mint has been able to do it and much more quickly. Maybe the 3rd party vendor should talk with Intuit. Connecting and downloading transactions is table stakes for a financial web-based tool/app.

      Like 3
      • Melissa
      • liss
      • 5 mths ago
      • 2
      • Reported - view

      Nicole I agree with Navy Blue Drum  - this is fast approaching dealbreaker status. The ONLY selling point for me of the new, expensive version of YNAB is the direct import. I frankly hate everything else that's changed about it, and without direct import I will stick with YNAB4 until it stops working on my computer, at which point I will switch to something else. This level of unreliable service - especially when it SAYS it's connected successfully, but simply ISN'T importing transactions (in my house we call that "lying"), which means I can't trust anything I see.

      Like 2
      • Melissa
      • liss
      • 5 mths ago
      • 2
      • Reported - view

      Nicole Mint does it fine. Quicken does it fine. YNAB is the ONLY one of the services I've tried that CAN'T connect to the bank successfully and consistently. 

      Like 2
    • Hi Navy Blue Drum & Melissa !

      We do use a different Direct Import partner than Mint. In fact, they happen to have a monopoly on Intuit, who owns them. This allows them to pull a few more strings than we can in this arena! We're working with our import partner on a fix for this Capital One issue and hope to have a resolution soon.

      Awareness of spending is a big part of why YNAB works and we're totally unique in that our method leans more heavily on active engagement. That means entering transactions as you spend plays a big role in that. Using that in conjunction with direct import (for filling in where you may have missed), is what we had in mind when we introduced the feature.

      We know a lot of users rely on it quite a bit, so we鈥檙e always re-evaluating and exploring options based on feedback and customer research. We're hopeful our import partner will be able to fix this issue in the near future, and we'd hate to see you go, but we understand if you decide not to move forward with the current version YNAB.

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    • Melissa Sorry for the confusion around that connection status! In this case, we're seeing a variety of issues with Capital One. Some users are able to connect but transactions are importing (like your account), others have only a specific type of account that isn't importing, or some are running into an error. We're on the case and hope to have better news for you soon!

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    • Nicole  FWIW, when I look at my security tab on Capital One's web page Intuit is listed as a linked app. YNAB is not. 

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    • Cornflower Blue Sloth Thanks for letting me know! We're aren't likely to be listed there, but it's possible that our import partner can look into that. I'll pass that along!

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  • So while the direct import not working is annoying, I don't find it a huge deal. You should be reconciling on occasion to ensure everything is correct. I've just taken to doing it every day (it takes less than 5 minutes), and trying to do immediate manual transactions as much as possible. The Direct Import is not why I bought YNAB, it's an added convenience. 

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    • Heatskitchen Also, I'll point out, this is actually due to Capital One making changes. Then YNAB needs to update their connection. Same thing happened when I was using Qapital. It sounds like Capital One is taking a more strict stance on these connections than some other banks. 

      Like
  • Mine has been working. I had to unlink the account and then relink.

    Ynab a unique product for making finances and can't be compared to something like mint.

    I have been relying on it for years now and every month I have a reason to be thankful I have it.

    The point of this is... All problems get resolved eventually. Ynab is worth the wait and effort!

    But seriously... Try unlinking and relinking if you haven't already

    Like
      • Melissa
      • liss
      • 5 mths ago
      • Reported - view

      Cadet Blue Drill I've unlinked and relinked probably three dozen times. It SAYS it's connected (checkmark is there, etc.), but ZERO new transactions have imported in almost a month. It doesn't work, and it can't be trusted. THAT (the trust factor) is actually my biggest issue.

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    • Hi Cadet Blue Drill ! I'm glad that worked for you! We are seeing some users are able to intermittently connect and import, but haven't heard back from our import partner on an official resolution yet. Fingers crossed that this is a sign of things turning around!

      Like
  • It may still be intermittent but 82 transactions back to 4/25/19 imported this afternoon for me. 馃檮 

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  • We're closing out Bank Importing threads in the forum to make sure these issues are better resolved.

    Replies in this thread have been turned off, but if you鈥檙e having trouble with your bank, please fill out this form and our Direct Import team will help you get things back up and running!

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