Will YNAB be issuing refunds for the poor connections?

I have posted about this before but for most of 2020, YNAB has not really worked as advertised.  I cannot get my capital one account to stay connected and when it is connected, it does not upload my transactions to YNAB.  

In addition, I have not been able to connect my BOA accounts for over a month now.  I filled out the form I was instructed to fill out last week but so far still no resolution.  

I have seen, I am not the only person who has these issues.  We are paying for the full service.  I paid for a year and YNAB has only really kept their end up for 5 or 6 months.  Most of 2020 has been one frustration after the next with connection issues.  

Why should I pay full price for half the service?     Will there be some form of refund for the 2 or 3 months this year YNAB has only semi-worked?

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  • I'm pretty sure you can cancel at any time and get a refund for the remainder.

    Like 3
  • Hey MorethanaConqueror ! Thanks for filling out the form. Did you see our reply on the 2nd? Check your spam folder for a message from [email protected]. I'll send another message too, just in case! We have a few things to try to get those connections running smoothly.

    I know direct import issues are frustrating, and I understand where you’re coming from. It does feel unfair to pay for something when it isn’t working as expected.

    We believe very deeply that YNAB is worth the price without Direct Import, and if this one feature causes more trouble than it’s worth, you can absolutely use YNAB—and get the full benefit, remaining in total control of your money—without it. There are  other ways to keep your budget updated without entering every transaction by hand, including File-Based Importing (in the web app) and Scheduled Transactions, available in both the web and mobile apps.

    Let me know if you'd like to troubleshoot the connection issues, or move forward with a refund—and we'll go over the options via email. We don't want you paying for something that you're not seeing a benefit from!

    Like 1
  • No they won't because they are not selling a direct import service.  Cancel, get your refund and move on. 

    Like 2
    • Herman I am fully aware that YNAB does not sell a direct import service but they do sell a service that promises direct import capability. That is one of the reasons I have been using YNAB. While the direct import issues may not be all their fault they are still responsible for keeping the direct import working. That is what I paid for. If that is not working, why am I paying full price?  No one wants to manually add each transaction. As others have said, I might as well go back to Excel.

      Like 1
      • Herman
      • herman
      • 4 mths ago
      • 1
      • Reported - view

      MorethanaConqueror Yes, you should, if you use ynab for it's direct import capability you should cancel and get your money back for the unused part of your subscription.  I manually enter every transaction because I want to. 

      Like 1
    • MorethanaConqueror Actually, yes, many of us DO want to manually enter all of our transactions. I run 3 budgets, my own personal budget, my boyfriend's budget, and my small business budget, and yes, I WANT to manually enter my transactions. That helps me keep my fingers on the pulse of our finances correctly. I'm able to enter transactions about 3 times per week, spending about 10 minutes each time to update all 3 budgets total, and I don't have to re-categorize anything, or work out any errors. I know that everything is going in correctly. I almost never have to deal with the accounts not reconciling correctly, if I do it takes me about 5 minutes to find what I missed max.

      There's more than one way to do things, and sometimes automation is more trouble than it's worth...

      Like 2
      • LoaferDude
      • furious_falcon
      • 4 mths ago
      • 1
      • Reported - view

      MorethanaConqueror I have never found it easier to manually enter transactions as and when they happen with the mobile app. For whatever gripes that people may have about the UI/UX viewability aspects of the app, entering transactions is a breeze. And like farfromtheusual says, I have almost never had any trouble reconciling my accounts. Many people do it frequently, but with manual entry, it takes 10 minutes at the end of the month to reconcile all my accounts. The most I have missed it one or two transactions not matching due to mismatched amounts. 

      End of the day, like people say, if you are hedging your bets on this working out, I would say cut your losses at this point and look elsewhere. My transition to Plaid has been smooth and I did not have anything to complain about, but since then CapOne has stopped working (because of Plaid, not YNAB), but I knew that was bound to happen since CapOne does not work with my international money transfer service either, which uses Plaid. This is not going to get fixed unless they switch to someone else other than Plaid and it won't happen any time soon (or ever?). My $0.02 for you. :) 

      Like 1
  • Having the same issue.  Loved YNAB for the last 2 years but 2020 has been a disaster when it comes to the importing.    Does anyone have suggestions/recommendations that you are moving too?  

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      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 4 mths ago
      • 1
      • Reported - view

      Jeff G Citibank credit cards work great! Chase Amazon Prime too.

      Like 1
      • HTR
      • Htr
      • 4 mths ago
      • 1
      • Reported - view

      Jeff G I am really liking EveryDollar. Similar envelope system with slightly different philosophy. I've been using it on a trial basis, side-by-side with YNAB, and am torn about with which program to continue. I'm a long time YNAB and previous Mvelopes user, but find EveryDollar connections have been much more reliable overall (at least with my financial institutions).  EveryDollar took several days to get used to.  

      Like 1
  • Nope... they sell for the same price to overseas persons who don't even have the option of import. In fact, we need to pay again as much for a 3rd party API integration. go figure. Google sheets... I used to budget with a spreadsheet... rows for expenses and columns for categoriiiiieeeeeeeeeees....

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  • I've been having similar issues with my capital one accounts, and it has been this way for a couple of months. Unfortunately YNAB seems to have gotten too big, and have started offloading a lot of their development work. No longer do they have their engineers write code to communicate with financial institutions' APIs directly, but instead pay for a SaaS company's sub par product that they are completely beholden to for fixes.

    Like
      • Herman
      • herman
      • 4 mths ago
      • 5
      • Reported - view

      Orchid Python they have always outsourced the direct import.  

      Like 5
      • LoaferDude
      • furious_falcon
      • 4 mths ago
      • 1
      • Reported - view

      Orchid Python YNAB is not the only one having issues with Plaid and CapOne. CapOne is doing what they should, justifiably so. They want to keep their customers' data safe. It is Plaid's responsibility to find a way to work with CapOne, not the other way around. Sure, if you want to blame YNAB for Plaid's failures, knock yourself out. All I am saying is that YNAB isn't the only one having trouble with Plaid and CapOne and there is nothing they can do about it from their end, unless they want to become an import provider themselves. 

      Like 1
  • MorethanaConqueror said:
    No one wants to manually add each transaction. As others have said, I might as well go back to Excel.

    Respectfully disagree about manual entry: I do it all the time, partly due to the inherent blips that are common across all providers and apps, and for the reason that I feel closer to my budget by doing so.

    As others have said, you can cancel for a partial refund, and as you confirmed, you might be better off going back to Excel.

    Like 6
    • JoeDid Manual Input Team UNITE!!

      Like 2
    • Cadet Blue Panther heck yeah!

      Like
    • Cadet Blue Panther people with better things to do than manually enter every transaction unite....😉

      But seriously I do get OPs frustration because not everyone want to manually enter everything. And imo if you are going to manually enter everything then what's the benefit of ynab over Excel exactly? At that point the benefit proposition of ynab imo breaks down.

      But telling the OP to cancel ynab and switch to excel isn't the answer because the OP has said they do not want to manually enter everything. 

      Every app has its idiosyncrasies. ED is too davish for my liking. Mvelopes  well I actually never used it because it wanted me to install security nightmare player...i mean flash player. But seriously who uses flash player anymore ....its 2020  not 2000 🙄. And ynab imo had a good thing going back in the day. But then they changed from be a month ahead to age your money (whatever that really means) and moved to this saas model, odd but its whatever. Then they left several great features behind in the transition, and has priced themselves a bit too agressivly for my liking. But I still have yet to find a better solution for now.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 4 mths ago
      • 1
      • Reported - view

      Navy Blue Foal That's a solid post. I'm a DIer (sometimes a DIYer but that's another subject 😉). "What's the benefit of ynab over Excel exactly?" To me, the huge YNAB advantage is the budgeting system. Sure, you could emulate it in Excel but you had better have mad skills. I've got 10 years worth of data and charts. Plus, there's the mobile app that syncs your data. Not easy to replicate, at least not for me and I'm a programmer. Ease of use without reinventing the wheel goes a long way. You'd be going back 15 years ago when YNAB WAS an Excel spreadsheet. 🙂We've come a long way, baby!

      Like 1
      • LoaferDude
      • furious_falcon
      • 4 mths ago
      • 2
      • Reported - view

      Purple Case Or maybe the manual input people as keyed into the budgeting part so that it just happens seamlessly? :P I get the frustration, but honestly, on the mobile app, it takes me literally 5 seconds to enter a transaction, since geolocation autosuggests my payees and history picks the account accurately most of the time, except when I am doing something funky.  

      Sure, in the days of Excel gone by (:P), you had to sit with receipts and enter details and such, but with the mobile app, those are things of the past. 

      As one of those manual entry people, not sure what you mean by simple financial lives. I have 20 accounts that I manage, checkings/savings, CC, retirement, investments, brokerage blah blah. Don't think that counts as simple. Can also vouch that I hardly spend any time manually entering or reconciling.  

      Like 2
  • Purple Case said:
    The manual input people must have simpler financial lives than some I guess. 

     😂 Yeah keep telling yourself that

    Like 5
    • Herman 😂

      Like
  • There have been a few occasions when my BOFA account sync up is delayed or shows the message delayed, but I am not much worried about it. The intent of YNAB is to track the budget and not necessarily sync the transactions. When I reached support, they suggested the sync is 3 days max in most cases and I do agree it has not been more than 3 days for most cases. Sync helps, but not a requirement for me and I totally understand it is your priority, in which case YNAB's policy plays a role. I would personally not cancel YNAB just because the linked accounts are not consistent and would not demand a refund for syncing slightly delayed this way or that.

    Like 1
    • Superbone Excel has a mobile app. 😄

      But honestly if it weren't for auto import I wouldn't be willing to pay the $80 (well a little more actually because who wants round numbers) a year for it. But hey it works for some people.

      I guess I don't really put a value on the ynab "system". Alot of it isn't actually all that unique.

      Give every dollar a job = 0 based budget which I am almost certain predates ynab as a budgeting concept.

      Embrace your true expenses (instead of your false ones I guess?) = Basically same thing as Grandma's rainy day fund.

      Roll with the punches = maybe I'm wrong but I doubt ynab was the first to recognize priorities change and things never go exactly to plan (or well in this case budget)

      Age your money = I guess this might be unique...idk because I have no clue what they really mean by this. IMO they should have stuck with live on last months income that was a lot clearer.

      So no I don't buy into ynab as a "system" because 1 its just basic budgrting concepts rewritten in new words by someone who is clearly very good at marketing.  And 2 I don't buy into any "system", but then again I tend to rebel against rigid rules so....yeah...I prefer to make my own system. A little bit of Dave Ramsey, pay for everything in cash (though I consider PIF CC = Cash), here. A little bit of old school ynab, live on last months income there.

      I use ynab because its (for the most part) is able to import my transactions from all the disparate sources. And it comes the closest to working the way I want for my finances even if I do have to use some creative workarounds. And the one thing they do i have not seen in any other budgeting app...the API which as a developer myself I have some ideas on how to use that to automate and simplify more, I just need to actually take the time to do it. But honestly to me that would mean almost nothing without the auto import. Thats the reason why even though I trialed ynab 4 back in I think it was 2013/2014 I never pulled the trigger and bought it because at the time it seemed to me to just be a glorified spreadsheet, with a mobile app to be fair. But as I recall it had an interesting but jankey way of syncing.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 4 mths ago
      • 1
      • Reported - view

      Navy Blue Foal Maybe the rules aren't unique individually, but together they form a powerful system. Most budgets are rigid and backward looking.

      Navy Blue Foal said:
      I tend to rebel against rigid rules so....yeah...

      The rules are what makes it flexible. 😄

      As far as what you said about Rule 4 versus AOM, I agree, as I continue to employ it very easily with this software. It may no longer be built in but it's easy to do.

      Like 1
    • Superbone yes, but no.  They are still the "four rules". And that's to say nothing of the strong opinions ynab has outside those 4 rules.

      I was expecting a lynch mob to show up at my house based on the responses I got once when I mentioned how I had my savings categories structured. Did I have to do it no, but I already knew that. I did it because the was the easiest and simplest way to do it. Once I got to a point where i left my bank that required 12 monthly debit card transactions to earn interest my checking account became much simpler as almost most transactions are known weeks in advance,  and the one that I dont know the exact amount until almost its due date is at least somewhat consistent in amount so I can just plan for the highest possible amount. Now i can keep just what I need plus a buffer of $500 in checking and I can keep the rest in savings. Whereas before it was much easier to do the opposite and track how much I can safely keep in savings though my category structure. But oh the responses when I talked about it. Or when I had the audacity to admit I track my auto loan as an off budget account. 🤫

      if it werent for the fact that I quite honestly don't care what anyone thinks about how I manage my finaces because it works for me I probably would have been put off ynab by the sometimes hostile and opinionated views of ynab and this community.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 4 mths ago
      • Reported - view

      Navy Blue Foal You lost me. I really don't know what you're talking about. And there's nothing wrong with tracking your auto loan. I like seeing my Net Worth in YNAB. All my accounts are, erm..., accounted for in YNAB.

      Like
    • Navy Blue Foal since I didn't see the thread that your original conversation was a part of, I'll only do some guessing here, but I think that I manage my checking and savings in a similar manner. I don't keep much cash in the BF's checking account, most of it is in savings. I just make sure that there's enough to pay for the various bills whenever they are needed to be paid. It just seems to make more sense to me to leave it in savings where it's going to earn a fraction more interest than it does in checking. We do not use our debit cards for daily transactions (In fact, I don't even carry any of my bank cards with me, only credit cards), primarily because should something get hacked (which seems to happen monthly to some large corporation) that potentially threatens to wipe out all the cash that I have. I'm not interested in that risk. So all transactions are credit card based, and when fraud happens I don't have to worry about actually losing anything.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 4 mths ago
      • 1
      • Reported - view

      farfromtheusual That's what all the smart fish are doing. Nothing controversial about that.

      Like 1
    • farfromtheusual My point is that's not how I used to do it.  I used to keep most in checking.  Any mid to long term savings categories were under a savings master category and that balance told me what I could "safely" keep in savings while having enough in checking.

      My point was while doing that everyone screamed that categories and accounts are different you don't have to sync them up. I already knew that but it was the easiest way to manage it at that time.  Only once I switched banks and got an account where I didn't have to make numerous debit card transactions per month and for to thr point where all my CCs were PIF could I with all CC tracking to "checking accounts" and pair down checking transactions to a manageable point to do it this way.

      My point is that didn't make the old way wrong, no matter how many people said it was. It was what worked for me at that point. But the ynab community is too opinionated on the "right" way to do things, their way.  Do things differently,  and talk about it and this community will jump on you like flies on a turd. Its inflexible and dosent take into account individual circumstances.... that's my point.

      This was a whole bid deal when it was mentioned in a thread where I also mentioned keeping two savings accounts. One on budget, and a second off budget one for my emergency fund. Which I still do today....yet now everyone will tell me how stupid that is. Even though it keeps things simple and easy and works best for me.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 4 mths ago
      • 3
      • Reported - view

      Navy Blue Foal It sounds like you may be taking things a little too personally. Most of us here that have been doing this a long time have come up with an optimal way of doing things and we try to convey that to the newer to YNAB folks. That's all. It's personal finance. Everybody should do what's best for them. We just want to give them the choice of optimal solutions that have been honed after years of experience.

      Like 3
  • While I love the app these connectivity issues will keep me from signing up after the trail period. Ill stay with Quicken even though I like YNAB better

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