capital one requires authentication every time I log into YNAB

Hi there! I'm not sure why this occurring, but every day when I log into YNAB, my capital one credit card accounts require a new authentication (ie, sending a pin to my phone number or email.) Is there any way to prevent this from happening?   It's getting slightly annoying. :)

Thanks in advance!

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  • This is my #1 complaint about YNAB.

    Other services, such as Personal Capital, are able to import data from my Capital One account seamlessly.

    Reply Like 1
      • Adam A
      • Software Engineer
      • adam_a
      • 9 mths ago
      • Reported - view

      Adam A I am no longer having these issues. Everything seems to work seamlessly now. Thanks, YNAB, for getting this done!

      Reply Like
    • Hi Adam A ! Thanks for checking in and letting us know. I'm so glad to hear that! Our Direct Import partner and Capital One have been working hard to get things running smoothly!

      Reply Like
  • Whenever you log into your Capital One account, do you go through the same process ( enter a password and then have a passcode sent to you for entry? At least with my BOA account, this was the two factor authentication that I had set up through BOA. Once I removed it through the BOA website, the requests stopped through YNAB too.

    Reply Like 1
      • Adam A
      • Software Engineer
      • adam_a
      • 1 yr ago
      • Reported - view

      Nina Shelly No, it doesn't require the two-factor authentication to login to their website. And YNAB works fine with my Capital One checking and savings accounts, but not my Credit Card (even though it's the same website and login)

      Reply Like
  • Same problem here. Although it is not EVERY time. Just MOST of the time. 

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  • I’m sorry you’re having to re-authenticate your accounts so frequently—I know it’s frustrating. We’ve dug into this issue on many occasions with our providers and we learned that, at this time, certain security protocols require repeated re-authorizations. In other words, they’re expected.

    This is great for security, of course, but not so great for the import experience. We completely understand that which is why we’ve had our Direct Import partner looking into the issue for months — pushing and prodding them to make it go away. Ultimately, they’ve determined they just don’t have any control over these security requirements and how often institutions require users to re-login.

    If you’re finding that you can’t connect and/or import even after re-entering your credentials, that is not expected. Please let me know if that’s the case!

    Reply Like
      • Lenny L
      • Cyan_Colt.2
      • 1 yr ago
      • 2
      • Reported - view

      Faness  I understand the security issues, but I don't know what YNAB is different than other websites. I would think that security protocols would be the same. I'm a long time user of Mint, and I find I only have to re-authenticate there about once a month. With YNAB and the same account, it is 3-4 times a week. 

      Reply Like 2
      • Adam A
      • Software Engineer
      • adam_a
      • 1 yr ago
      • Reported - view

      Lenny L Same here - I never have to re-authenticate this particular account with Personal Capital and I have to do it every single day with YNAB.

      Reply Like
      • Jannelle
      • jannelle_ynabsupport
      • 1 yr ago
      • 1
      • Reported - view

      Adam A Lenny L ,

      I hope you don’t mind if I jump in for Faness here! Yeah, that's a great question! Whether or not you'll need to re-authenticate depends on the institution and type of connection they have with each particular institution.

      Direct connections are generally more stable (which ,I'm assuming, is what Mint or Personal Capital have), which means they should hardly ever require a reauthorization, even when a one-time password is involved. However, our Direct Import partner doesn't currently have a direct connection for this particular financial institution.

      They (and I!) definitely recognize this is something they need to work on improving. It does require quite a lot of work between our data provider and the institution to be able to create a more seamless integration (talks at the business level), so while there isn't an immediate resolution, it's definitely the goal! 

      Reply Like 1
      • BudgetMaster
      • Debt free and so grateful!
      • Budget_master
      • 10 mths ago
      • 1
      • Reported - view

      Jannelle What would an estimated completion time be? Are you thinking months or a year+? It really is such a drag, especially when I update my budget every day. When I used Chase credit cards with YNAB, everything imported seamlessly and I knew when I signed on to YNAB if I had any transactions to resolve. Now I have to go in, make sure Capital One has connected (never), go through the steps to authenticate, then have the transactions import, and then I'm at the point of resolving them. In truth it only takes a couple of minutes, but it's SUCH a hassle especially considering that it doesn't happen with other providers.

      Reply Like 1
    • BudgetMaster You're not alone! Sadly, this does happen with other institutions, it's just that Capital One is one of the biggest on that list.

      We can't say for certain when this could be addressed. Our Direct Import partner considers the connection in good status as long as you're able to connect. They understand it's not a convenient requirement, and they want to improve it, but their main priority is that the connection works.

      For that reason, I wouldn't expect this to change in the immediate future. I could be wrong, but I'd rather set expectations for the long haul here. 

      Reply Like
    • Faness BudgetMaster I am in the same boat, but did some across this article that says Finicity (one of YNAB's direct import partners) struck a deal with Capital One for do direct data sharing starting in Q1 2019 (https://www.finextra.com/pressarticle/75027/capital-one-inks-data-sharing-deal-with-finicity).  Once this happens I would hope (or really assume) the constant two-factor re-authentication issue with YNAB would go away.

      Reply Like
  • This is the same situation for Arizona Federal Credit Union accounts, very frustrating. At least iOS 12 automatically copies the SMS'd code now, but I'd love to see this go away. I feel like it use to hang on to authentication a lot longer. But now it's almost every day.

    Reply Like
  • Just an observation: When I log in to my Capital One account, I see other services (Mint and Expensify) as "connected". YNAB is clearly not connecting in the same way as these other services. It seems like it is time to switch to the platform these other services use.

    Reply Like 1
    • Hi Lenny L !

      You're right - we are using a different connection. Mint just so happens to have a monopoly on Intuit, who owns them, which allows them to have direct connections to banks like Capital One. Our Direct Import partner is working on it, but it'll take some time to build those direct connections.

      Reply Like
  • I'm new to YNAB and having this issue too. Though your direct import partner doesn't see it as a priority, it appears you'll be losing customers over this one. It's quite an obstacle. I can't see how to do it without reestablishing a connection every time, THEN doing the PIN. I don't know how long I can keep this up before wandering off to another option like Quicken.

    Reply Like
    • I appreciate that feedback, Magenta Guitar . I too have to reauthenticate my account each time and it can get tedious. 

      Reply Like
  • FWIW completely deleting my connections and redoing them resolved the issue for me. 

    Reply Like
  • Hello, just wanted to add a "Me too!" to this thread, I have to re-authenticate my Capital One account daily at this point.. super lame. :D

    Reply Like
    • Hi Gray Griffin !

      Sorry for the lameness! Our Direct Import partner is still working on improving things in this area. For now, this is expected behavior, but we're keeping our fingers crossed that it changes in the future. :)

      Reply Like
    • Faness Thank you!

      Reply Like
  • And we're back to authenticating on every single freaking login, and even times when I'm already logged into YNAB. Can someone stop failing miserably at this as literally everyone else can partner with Capital One correctly?

    Reply Like 4
  • Same. This entire past week. Very annoying. I'm six months into YNAB and I like it, but getting fed up with the constant issues.

    Reply Like 3
    • Hi Tomato Grizzly ! Your connection is looking good, and I see that transactions imported earlier today. I elaborated on the details behind the re-authorizations further down in the thread.  

      Reply Like
  •  Nicole

    Any word from support on this?  status.youneedabudget.com/ doesn't mention from what I can see.  It's getting annoying.  As others have mentioned, other data aggregation partners seem to be working fine (Mint, Personal Capital, etc).  Only issue is with YNAB.

    Reply Like 3
    • Hi James ! As banks are increasing their security protocols, we're hearing more reports about frequent re-authorizations. Our import partner let us know this is expected behavior, so it won't be mentioned on the Status Page.

      Reply Like
  • I have been able to sync my Capitol One account automatically without problem for the last ~6 months, but this past week I've been having to input my 2-factor code every time.  Something has clearly gone wrong or changed this past week or so.

    Reply Like 2
    • Magenta Colt I posted a little more detail on this down below! As your bank makes changes and security updates, the re-authorization requirements can change—appearing from seemingly nowhere. Sometimes (fingers crossed!) we have heard of them subsiding over time, but it's something we're unable to predict.

      Your connection is looking good!

      Reply Like
  • Same with me!! working just fine until last week, now requires 2-factor authentication.

    Reply Like
    • Hi All! Tomato Grizzly James Magenta Colt Alex_C 

      Certain financial institutions require you to re-authorize your account frequently due to how our integration works with their site security. We spent quite a bit of time investigating the issue with our import partner, and I'm afraid there's nothing we can do to get around the frequent re-authorizations.

      As more and more financial institutions are beefing up their security (like the recent changes after the Capital One breach), it's becoming more common. They want to make sure it's really you! And keep your information safe.

      When institutions make site changes and security updates on their end, this requirement can change — appearing from seemingly nowhere and sometimes even subsiding over time (fingers crossed!), but neither are something we’re able to predict.

      I know it can be frustrating though, and I'm sorry that's the case. The good news is, while it's not so great for the import experience, it's great in terms of security! And you don't need to re-authorize the connection every time it asks—just go through the prompt when you're ready to import new transactions.

      Reply Like
  • This is just awful.  YNAB used to be useful, now it's such a time sink I hate to bother logging in.

    Reply Like
      • Herman
      • herman
      • 1 mth ago
      • Reported - view

      Slate Gray Foal 🤣

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  • It is a drag. I thought I had somehow bypassed it but it just started happening for me in the last 2 or 3 days. I have the Savor which they've been advertising a ton so I'm sure this affects many YNAB users.

    Reply Like
  • Ditto for me with Capital One needing to be re-authorized every single time i log into YNAB to work on my budget....  

    Reply Like
  • I know the cause was explained above, but I am throwing a "me also" in being annoyed with the current interaction with Capital One. 

    Reply Like 1
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