Discover Card "temporarily delayed"

So how long should I accept "temporarily delayed" before trying something new - it's been temporarily delayed since Sept 9th.

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  • Hi All! Here's the latest news, and I'll pin it to the top:

    We've learned that Discover recently made a change to their security settings so only certain financial software will be able to connect (big names, like Quicken or Quickbooks). Our import partner is currently working with Discover in order to allow their integration to connect, and it's currently being handled at the partnership level. 

    While we aren't able to offer any kind of timeline, we’ll post updates on our Status Page as soon as we have them.

    In the meantime, you can keep your account balances up to date in a few ways:

    1. File Based Importing (you can drag and drop a file containing your transactions right into YNAB!). Here are screenshots showing you how to download a file from Discover—Step 1Step 2Step 3.
    2. Active entry using the mobile app.
    3. Scheduled transactions (for those regularly occurring transactions)

    This help doc goes over the nuts & bolts on all our transaction entry options, if you'd like to learn more!

    We will continue to do all that’s in our power to push for a resolution, and considering this was a decision made by Discover, we suggest you do the same! If you have any questions or if there's anything else we can do to help, please let us know. 

    Like 4
    • Nicole I got this answer from Discover when I asked too.

      However, I made an account with another smaller company (mvelopes) just to test it and they are importing my Discover data just fine.  So I don't know what they are doing differently than your partner, but you might want to check into it because they are also cheaper than you are and do basically the same thing.  And if this can't get fixed, I'm going to be switching to them.

      Like 3
    • Hi Turquoise Dragon !

      Thank you for letting us know! The connection still works for certain providers, but our import partner has to rebuild their platform for Discover's new requirements. Our import partner is working with Discover directly to rectify this and we hope to see progress soon! However, if this is a breaking point, we understand if YNAB isn't what you're looking for and we hope you'll give us another try in the future! :)

      Like
    • Turquoise Dragon LOL at mvelopes! Sounds like a great solution too :). The funny/ironic part is mvelopes is provided by finicity...

       

      ...

       

      wait for it... which is one of YNAB's providers!

      Like 1
    • Turquoise Dragon I also have been testing out mvelopes and can confirm that their syncing with Discover is working. Unfortunately, I must admit, mvelopes is nowhere near as good as YNAB. It pains me to admit this but it really does look like YNAB's app is the best out there for budgeting using the envelope method (unless someone has another option I should be looking at). It just sucks that I had to completely cancel my account in order to get a refund (made no sense for me to continue paying for a service I wasn't using due to the discover direct import being broken)

      Like 1
    • Turquoise Yeti I agree - I've been getting the feeling that mvelopes definitely has some work to do.  I was so hopeful about YNAB but I'm not getting my money's worth if I can't easily have my transactions imported.  I'm giving it until the end of the month to see if they can fix it. 

      Like 1
  • Hi Woolloomooloo !

    Since we’ve received reports from a number of Discover Credit Card users who are running into the same delayed issue, we’ve reported it to our import partner. There is nothing you need to do at the moment, as they work toward a resolution.

    While we hope it will be fixed within a couple of days, it could take a couple of weeks depending on the complexity. We’ll post updates on our Status Page as we hear back from our import partner, so please check in with us there!

    To keep everything up to speed, enter transactions on the go with the mobile app and try File-Based Importing in the web app. It's a super quick and easy alternative that allows you to drag and drop a file containing your transactions right into YNAB.

    And as always, please let us know if you have any other questions!

    Like 3
      • Shelley E
      • yooper_girl
      • 2 mths ago
      • 2
      • Reported - view

      Nicole I just tried the file-based import and was pleasantly surprised with how easy it was.  I thought for sure I'd have a lot of duplicates in my register, but that did not happen. Yay! 

      Like 2
    • I'm so glad to hear that, Shelley E ! Thanks for giving it a try. 🙂

      Like
  • Thanks for the reply - I noticed the status update now mentions this too.  I hope this isn't too harsh a statement, but looking at the status page, it seems you're having issues with all of my Credit Card companies: Amex, US Bank (I have the REI card issued by them), Discover and Capital One. Card issuers are definitely implementing more robust cyber-security measures so maybe this has something to do with things,  but it does seem to be a more general trend that connectivity issues are more commonplace than they were years ago.

    Like 2
    • Woolloomooloo Not harsh at all! I'm sorry Direct Import has been giving you a tough time lately. We have seen quite a few large financial institutions make changes to their platforms recently, like Discover and Capital One. It's been a roller coaster.

      Currently, the other connections you mentioned are looking good. We can dig in and see what's going on there! I've reached out via email with a few things to try. 🙂

      Like
    • Nicole Hi Nicole - US Bank and Capital One are fixed by trying the methods you suggested. The US Bank one is odd because I never even got an error message, but at least I now know how to force a refresh. Capital One just wanted me to perform a two-factor authentication, but that seems to be required every time I get new transactions. I've actually stopped using the card because this impacts other financial software as well.

      Discover is still broken.

      Like
    • Woolloomooloo The US Bank connection was unlinked when I checked it. You might have tried removing and re-adding at some point?  It looks great now!

      Capital One recently updated their security requirements, and more frequent re-authorizations may be required. Here's more detail on that!

      There is an ongoing incident with Discover as I mentioned in my first post,  and our import partner is working on a resolution.

      Like
  • Going on 2 weeks now without being able to budget our finances due to discover card being down. This is an extremely long "temporary outage". Any idea on when this will be addressed or any chance at changing partners to one that does their business?

    Like 5
    • Hi Ivory Lion !

      Sorry for the trouble! Our latest direct import partner is the one having trouble with Discover at the moment. Since they're our most up to date provider, we aren't able to switch an account to a different provider, but they've let us know they are working on this issue! It can take a couple of weeks to fix an issue, but we always hope for a faster solution!

      In the meantime, I hope you'll give File-Based Importing a try. We don't want to see your budget fall so far behind due to direct import being down.

      Like 1
    • Faness Personal Capital and Banktivity don’t seem to be having this issue, not even a temporary outage at all, and they both use middle-tier providers. I know you’re dependent upon another company, but when issues go on for this long, and don’t seem too affect anyone else, it’s your reputation not there’s that’s at stake.

      Like 4
    • Hi Woolloomooloo !

      We understand that ultimately the experience with direct import affects the overall YNAB experience. We're looking into ways to improve the import experience, and we'll continue to work with our import partner to iron out issues like this one.

      Like
    • Woolloomooloo Good to know these two budgeting tools don't have the issue. Researching them now to make the switch. I need my Discover charges automatically imported.

      Like
  • I haven’t been able to accurately budget since September 7th.  The official YNAB status page hasn’t even updated the issue since September 12th.  The lack of progress and communication on fixing the issue would make more sense if YNAB was a free service but it’s not.  I’ve  seen free services like Mint have better response systems.  This is looking like it could go on for over a month and since payments are annually, that’s basically being charged a month for zero product.  I will strongly consider switching budgeting services once my year is up unless something changes to keep users more informed about issues.

    Like 4
    • Blue Vacuum I feel exactly the same. After questioning YNAB in an email I was told this issue would probably be fixed in a couple days or 2 weeks max. That was 3 weeks ago. If we're left without the primary service we paid for do we get some kind of partial refund?

      Like 6
    • Hi Sarah Thomas ! An update to the status page was posted earlier today. We're checking for updates every day, but don't typically make changes unless there is a significant one (like today!). I'll let our team know you'd like to see us communicate differently there.

      I wish we were able to offer even a hint of a timeline on a resolution, but there are a lot of moving parts to even take a guess. The latest update from our import partner is that they've narrowed things down to a server-side issue on Discover’s end. Development and partnership teams from both our import partner and Discover’s side are working on a solution.

      If you’re having trouble using the other transaction entry methods to keep your Discover accounts up to date, just let us know. We’re here for you. Our support team is available via chat or email to answer any questions you might have. Thanks again for your patience!

      Like
    • Brian Bardzik Most issues are solved in a few weeks, we always hope for sooner—but they can take more time, depending on how complex the issue is. Like this one. 😞 In the meantime, I hope you’ll give one (or more!) of our other transaction entry methods a try to keep those Discover accounts up to date.

      Like
    • Sarah Thomas Fully agree. An annual subscription and a full month of it is not working. Doesn't help I use my discover card for 90% of my purchases. And since this was supposed to be "temporary", I didn't stop using the card since I assumed it would be a few days. Here we are a month in and still nothing besides blaming their partner.

      Sadly, when you are dependent on an external business for your product to do half of its job, you are also responsible for their failures. Either do the importing yourself or accept responsibility and refund affected customers. Otherwise I'm looking at FREE alternatives.

      Like 3
    • Green Barnacle We're sorry for the frustration. It does feel unfair to pay for something when it isn’t working as expected and I get that. We're working on being more transparent with these importing issues, because you're right—the experience you have with YNAB falls on us.

      Ultimately though, we don’t offer compensation (or refunds without complete cancellation) for Direct Import issues. Data aggregation is imperfect - it’s expected that there will be bumps in the road as banks make changes to their platforms, and while we do everything we possibly can to fix them as quickly as possible, it’s just not something we have the power to eliminate (and trust me, we really wish we did).

      We use third-party partners for data aggregation, because they have the resources and know-how. It's not something our small team is looking bring in-house at this time.

      While we'd hate to see you go, if direct import is a necessity for your budgeting approach, it might mean that YNAB just isn’t the best option for you. We want you to succeed on your budgeting journey, even if it means YNAB isn't the answer.

      Like 1
    • Nicole You’re right, the app isn’t for me. I’ll cancel my subscription and tell the three people I bought it for to cancel theirs, as well. I’d rather go to mint than a company that says “you’re right, this is our fault and it’s unfair to pay for something that stops working BUT NO REFUNDS THO”. Thank you for your contribution  

      Like 5
    • Green Barnacle Welcome to the terrible, almost antagonistic, YNAB "support" team. They literally don't care the tiniest bit about their customers. It's just one arrogant, condescending, "If you don't like it go elsewhere because we've already got your money" response after another.

      Jesse is so busy doing podcasts and crossfit that he doesn't seem to be aware of how pathetic his company has gotten at even basic customer service.

      Like 4
    • Green Barnacle We do offer refunds, and if that's route you'd like to go—I can help get the process started, and sent you an email.

      There are many moving parts with direct import and any little (or big!) change from the banks can cause disruptions in the connection. Some banks are more ‘direct import friendly' than others, so it makes for a rocky road sometimes. 

      That said, we are actively working to make this less of a pain point for users (and for us too, since we're all YNABers ourselves!). We're constantly exploring options with existing and new data providers to help with that. Direct import is something we do want to provide as a dependable feature!

      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, and we offer other transaction entry methods to help keep your budget up to date.

      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. However, we know a lot of users rely on it quite a bit (and that it's extremely frustrating when the connection is down), so we’re always re-evaluating and exploring options based on feedback and customer research. We'll continue to do all that's in our power to push for a resolution on this.

      Like
  • Hi All,

    The status page was updated today with the latest details. Thanks for hanging in there! We appreciate your patience.

    Our import partner has narrowed things down to a server-side issue on Discover’s end. The development and partnership teams from both our import partner and Discover’s side are working together on a solution. We’ll continue to post any significant changes or updates on our Status Page.

    In the meantime, don't forget to keep your account balances up to date—you can do that in a few ways:

    1. File Based Importing (you can drag and drop a file containing your transactions right into YNAB!). Here are screenshots showing you how to download a file from Discover—Step 1Step 2Step 3.
    2. Active entry using the mobile app.
    3. Scheduled transactions (for those regularly occurring transactions that you know about!)

    Check out this help doc on all our transaction entry options, if you'd like a bit more detail on each.

    We will continue to do all that’s in our power to push for a resolution. If you have any questions or if there's anything else we can do to help, please don’t hesitate to reach out!

    Like 2
    • Nicole 

      Like
    • " Nicole I just contacted Discover and got this reply. 

      Good morning! We recently made an update to only allow Direct Connect connections from Quicken, Quickbooks, and eMoney. I'm not aware of any changes from our end for the app you mentioned. You may want to reach out to the "You Need A Budget" website for more info.

      Does this mean the connection is permanently discontinued, or is one of these your import partner?

      Like
    • Slate Gray Yeti We don't partner with Quicken, Quickbooks or eMoney, but we use the same file types to import transactions into YNAB. This has been identified as a server-side issue, so our import partner is working directly with Discover on a solution. Hopefully, we'll have another update soon!

      Like
    • Faness 

      I would suggest YNAB stop saying “soon.” We are well past a time when it applies. Not trying to be mean, just pointing out this is taking far too long to resolve. 

      If this is on YNAB’s unnamed import partner, then it may be time to find a new partner. At the very least, YNAB should be negotiating for a reduction in its fees to them and pass those savings on to its clients who use Discover.

      I am also wondering about what priority YNAB has with your partner. As has been pointed out by others, this type of disruption in service is highly unusual and is not tolerated in most cloud-based apps. Perhaps, it is because your partner is a third party working through Discover’s permitted direct connects, and its priority is not very high up the chain. In any event, I think I will unlink my account and try direct import to see whether it works. I have had a poor experience with YNAB’s duplicate matching in the past and suspect there will be too much manual cleanup with this delay. Please advise me when it is working again. 

      Like 4
    • Slate Gray Yeti I apologize for my diction - we always hope for "soon" but troubleshooting and repairing the connection can take longer than we'd like. Most issues are resolved within a couple of weeks, but since this is a larger issue our import partner has to work with Discover on a solution. We'll keep our status page updated with any new developments and sorry for the inconvenience.

      Like
      • Jon-Paul LeClair
      • Owner Soundhog Productions, LLC
      • captain_betty
      • 1 mth ago
      • 2
      • Reported - view

      Slate Gray Yeti Totally agree. Several months ago I asked to be moved to the "new import process" and it's been more of the same.  Have several problems with some store cards (along with majors). YNAB had me work directly with the import partner to resolve an issues but nothing changed - I finally told them to kill the ticket as it's no longer worth the hassle. Now I continually get notifications from my card that my account is locked due to failed login attempts. I asked for them to stop working on this. No change.

      This "partner" is horrible. If I have to pay more for a better, reliable import process, so be it. It's becoming frustrating to stay on top of my budget. Manual entry, file import, continually having to log into cards and accounts is a major pain (especially when using strong passwords with Lastpas) - it's not the answer (may have been okay 10yrs ago - but even then MS Money did everything very well).

      Here's hoping YNAB can step up their game and get a reliable import partner.

      Like 2
  • I know you're getting a lot of comments about this so I feel a little bad for piling on.

    I get that you have a third-party service that manages the importing. I'm not sure what the motivations are behind your choice but it may be time to reevaluate. In my past year as a customer this is one area YNAB has consistently lagged behind every other similar service I've tried, including Nerdwallet's relatively new service. Even when there aren't connection issues, imports are far less frequent than with the others.

    I have fewer issues with Personal Capital's importing (though they had another, imo more significant issue affect me in the past year). Mint has consistently been very good at this (the only problems I've ever had with them is their connection to Fidelity sometimes gets flaky).

    I still love YNAB. While I think there's room for improvement in several places if you were really wanting to expand and grow your offerings, this is the only thing I can think of that's directly impacting your core functionality.

    Like 8
    • Hi Maroon Rain !

      Please don't feel bad about weighing in here - we value the opinions and feedback shared in the forum and we appreciate you adding in! :)

      When we first launched the online version of YNAB, we only had one direct import partner. Since then, we've added two additional partners with the intention to expand the financial institutions we're able to support and increase the stability of those connections. However, things haven't gone as well as we had hoped and we're looking into alternative ways to improve the direct import experience.

      We do use a different Direct Import partner than Mint. In fact, Mint just so happens to have a monopoly on Intuit, who owns them. We're also on a less frequent import schedule than them. We check for transactions once every morning and when you access the app if we haven't imported within the last 8 hours. Since we only import transactions that have already cleared your accounts, we expect there to be a delay between when a transaction is made and when it becomes available. 

      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’re always re-evaluating and exploring options based on feedback and customer research. We hope to improve the direct import experience moving forward!

      Like 3
  • I agree with the above comments. Personally I don't use Discover (Amex is usually my first choice) but my wife uses it almost exclusively; I do the family budgeting . I think it's also very likely that when this issue is resolved that some extensive reconciliation and ticking back will be needed against the transactions that come in when the connection is restored.

    Like 1
  • I am super frustrated too as we use discover for most everything. Last weekend I tried the direct import approach and couldn’t. From what I recall (on my phone getting my hair done), discover didn’t have the 2 preferred downloadable methods, only csv (?) and it didn’t work for me. I just finally got YNAB down, I’d hate to have to learn a new system, but the whole point of this for me is to make budgeting easy and top of mind. Commuting to work on the train, I need this to be automated. Fingers crossed this gets resolved this week!

    Like 1
      • Shelley E
      • yooper_girl
      • 1 mth ago
      • Reported - view

      Slate Blue Transistor Discover has the required download format. The problem isn't with YNAB, it's outside of their control. This sounds like an aggregation issue. You can try another budgeting app, but that app may not be able to download from Discover right now, either. 

      Like
    • Shelley E  The major ones are not having issues. Personal Capital is fine, so it Banktivity and people have mentioned Mint being OK. Quicken isn't having any issue either. Two of those are free (Mint and Personal Capital).

      It has been mentioned a couple of times that YNAB changes their aggregator, and this year has seen a litany of issues with major financial institutions, like Amex, Discover and Capital One.

      Like 5
    • Shelley E so I'm on my computer and trying to download from discover  - I have to SAVE it and I don't have an "app" to save it in so I can't copy and paste it into YNAB.  Sure would be nice to have someone from YNAB help me with this while I'm trying to do this.  As a working mom who takes the train to work, weekends are the only time I have to work on this.  Not happy!  Definitely looking into the other apps people are mentioning - mint and personal capital!

      Like
    • Slate Blue Transistor Ok - I figured out where it downloaded by searching it and it worked.  YNAB - Pls give a little bit more explicit instructions for us busy folk.  Please state that you have to choose "Other Financial Management Software (i.e. MS Money)" - don't just put qfx or ofx or whatever it is - last weekend I went with csv and it didn't work for me.  Also explain how to "save" the data - my windows computer kept asking me for an app (like Word or Excel) to put it in.  I have no idea how it was saved, but I found it and have no idea what "app" it was - this should have been much more straight forward.  I do customer service for healthcare professionals (very smart folks) and we have to be very explicit about things on our website.

      Like
    • Hi Slate Blue Transistor ! Here are screenshots showing you how to download a file from Discover—Step 1Step 2Step 3. Once the file is downloaded from Discover, you've got two options for importing it into YNAB:

      1. The handy dandy drag and drop method.
      2. Selecting "All Accounts" and clicking Import from there.

      No need to open it in another program. Let me know if you have any questions at all!

      Like 1
    • Slate Blue Transistor Thank you for mentioning that! I've updated the pinned post with more details. One of my colleagues has accounts with Discover, and was able to provide screenshots to help with the downloading process. 🙂

      Like 1
  • While I do not agree with YNAB's policy here to not compensate Discover users for lack of support and a SAS service should have a minimum of 99% uptime (a maximum of 3 days down every year) as 99.999% is the normal goal of businesses for cloud uptime, I wanted to help other users (and yes I work for a SAS company and know that a two week time is completely unacceptable).

    Here is the steps to import your transactions into YNAB:

    1. Go to discovercard.com
    2. Click on "View Activity & Statements"
    3. Select the "Activity or Statement Period" that you want to download into YNAB
    4. Under "Activity Summary" on the right, Click the "Download" link
    5. Select the "Quicken" bullet and click the "Download" button
    6. Save the qfx file to your hard drive where you will remember where you put it (Downloads, Desktop, etc.)
    7. Use Finder or Windows Explorer to find the file
    8. Open the YNAB tab in your browser
    9. Open your Discover account
    10. Drag the qfx file from Finder/Explorer onto the browser tab (I did this in Google Chrome, not sure if all browsers will support the drag & drop of the file directly onto the tab)
    11. Choose the options you want to customize the import
    12. Proceed with the import
    13. Scroll through all non-reconciled transactions and look for duplicates in the date range you imported and delete them (or match them to the existing transactions)
    14. Repeat steps 3-13 for each month you want to import into YNAB

    It is a pain but at least it works.

    Like 7
    • Ivory Lion thanks for the detailed instructions. I work in a SAS environment too and if a critical feature was down for for THREE WEEKS we would all be fired. 

      Like 6
    • Hi Green Barnacle !

      We understand the frustration and we're working with our import partner to get this connection back up and running as quickly as possible. However, I wanted to be clear that we don't consider direct import a "critical feature".

      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—without it. There are many other ways to get your transactions, including entry on your mobile device and File Based Importing.

      We'll continue to work on improving the import experience with YNAB, but we want to be as transparent as possible with where we stand.

      Like 1
    •   @Faness  Thanks for this post, I really appreciate the veracity of this statement.

      Personally I’d never consider paying for financial software that didn’t automatically import transactions, and have not done so since the early 2000’s. Obviously I don’t expect my values and priorities to be identical to yours, or other users of your software. Having said that, there are literally hundreds of apps on the App Store that offer manual entry or manual import, But for me, auto import is critical given the number of accounts I manage and the variety of transactions in my family.

      So when push comes to shove, the $90 or so I pay you, or Banktivity or whoever,  more than offsets the time I’d have to spend doing that over the entire year. Knowing that this isn’t considered one of the most important features to you, when it is to me, is really helpful. I wish other companies were as transparent as this around the things they don’t care about as well, it really helps with deciding where to spend my time and money.

      Like 9
    • Faness I highly disagree you can get the full benefit of having all your accounts synced up and all transactions directly imported into your budgeting app without having direct import. 
       

      Like the wise Lavender moose, there’s a lot of apps out there that support having a budget with no direct import. Shoot, I can just open excel if I’m manually doing everything myself. 
       

      Thanks for your “support”

      Like 9
      • Shelley E
      • yooper_girl
      • 1 mth ago
      • 1
      • Reported - view

      Ivory Lion It's even easier than that.

      1. Go to discovercard.com
      2. Click on "View Activity & Statements"
      3. Select the "Activity or Statement Period" that you want to download into YNAB
      4. Under "Activity Summary" on the right, Click the "Download" link
      5. Select the "Quicken" bullet and click the "Download" button
      6. Save the qfx file. A box appears to show the download, it's on the lower left side of the browser window in Chrome.
      7. Open the YNAB tab in your browser.
      8. Drag the qfx file from box on the lower left (or where ever it is on your browser)
      9. Choose the options you want to customize the import
      10. Proceed with the import
      11. YNAB finds any duplicates created by previously-entered transactions and removes the duplicate. Then, you accept transactions as you usually would.
      12. Repeat steps 3-13 for each month you want to import into YNAB
      Like 1
    • Faness Direct import may not be a critical feature of YNAB overall, but it sure seems like a critical feature of the PAY to use option! Personally it's the only reason I decided to pay vs use the free option. While that's something that is obviously important to so many of your customers, it's helpful to know that it's not important to YNAB as a company. That clarity helps us customers know where we stand in the future.

      Like 6
    • Woolloomooloo Green Barnacle I understand your frustration and we'll continue to work with our direct import partner on a solution. We understand why YNABers find direct import to be so convenient, and we want that convenience to be available, but the core points of YNAB still function without it.

      If direct import is the deciding feature for you, it's possible YNAB isn't the best option for you at the moment. We'll continue to work to improve the direct import experience, but we expect hiccups from time-to-time and we work to resolve them as quickly as possible.

      Like
    • Hi Brian Bardzik !

      Currently, we don't offer a free version of YNAB, but I understand your point of paying for this specific feature. We'll continue to work on a solution, and to improve the overall experience with direct import, but issues are expected to arise from time-to-time. If you decide YNAB isn't the best option for your budgeting needs, we completely understand.

      Like
    • Faness  a four week outage for the 4th largest payment network in the world is a little more than a hiccup in my humble opinion. 

      Like 7
    • Shelley E I would like to point out that in addition to the extra work involved with importing the Discover transactions from the home computer, they are also NOT already automatically categorized (a great YNAB benefit which happens over time with regular similar transactions).  It is extra time consuming to scroll down to the proper category - we have lots. We use Discover for most everything. 

      Like 2
      • Shelley E
      • yooper_girl
      • 1 mth ago
      • Reported - view

      Slate Blue Transistor  Yeah, you're right. If I used Discover for everything, I'd be extremely upset no matter where the fault lies.  I use my Costco Visa for most purchases and Discover for others. I admit that I would be looking at other apps at this point if my Visa card stopped downloading.

      Like
    • Slate Blue Transistor Sorry for the trouble! When using File-Based Importing transactions are categorized based on the Payee used. As long as the Payee is importing you should start to see those transactions automatically categorized.

      We'll keep working on a solution for Discover, but I hope this helps in the meantime! 

      Like
    • Faness Thats untrue. I did the import and none of the categories lined up, unlike direct import. Same payees, but they didn’t link correctly. Luckily I’ve already canceled my subscription, based on your advice to do so, but I just want you to know that’s not true. 

       

      Thanks and I hope you get your facts straight while you spend months “ironing out hiccups” In YNAB!!!

      Like
    • Green  The Payee Management feature shows which categories are tied to which payees and can help if you're not seeing those transactions categorized. We understand your decision to look for an alternative and we're sorry to see you go but we wish you well on your budgeting journey, no matter where it may take you!

      Like
  • Hi YNAB, I started my 34 free trial today. Loving the tool so far YET I use Discover for all purchases. I won't know for sure if I want to continue on with my free trial if I am not able to actually use the linked account function to budget. I'm currently tracking manually in Excel which has always worked well for me but with a toddler and baby on the way, I'm running out of free time to manually track my spend - therefore need the linked feature. I will not continue with my subscription if I haven't had the opportunity to use the linked feature.

    Like
    • Hi Blue Python !

      Welcome to YNAB and to the forum! :)

      While we can't promise the stability of direct import, we'll continue to work to get this connection back up and running! In the meantime, I hope you'll give File-Based Importing and Scheduled Transactions a try! If you get to the end of your trial and feel you need a bit more time with YNAB, please don't hesitate to reach out to [email protected] and we can help there!

      Like
      • Cyan Cup
      • Cyan_Cup.3
      • 1 mth ago
      • Reported - view

      Faness Hi, I'm in the same boat having just started my trial today and learning the system. I'm coming from Mint and Excel and realized I need a better system for budgeting so I really like the idea of YNAB.

      However, both my wife and I have individual Discover accounts that are set up to auto-pay our recurring bills and most frequent purchases (using that cashback bonus) so direct import is definitely a deciding factor for us after the trial. I'll try the file-based importing for now as I can't move forward with budgeting without those two accounts in the system.

      I just wanted to chime in and add another voice from a prospective customer who is otherwise excited to pay you guys after the trial if you can get this technical issue resolved.

      Like
    • Hi Cyan Cup !

      Welcome to YNAB and to the forum! I wish the timing had been better for this Discover issue and I apologize for the trouble!

      Since you're setting up auto-pay in those accounts, Scheduled Transactions can help! We'll keep working on this, but I hope you'll still come to enjoy YNAB in the meantime! :)

      Like 1
  • Nicole said:
    We use third-party partners for data aggregation, because they have the resources and know-how.

    They don't appear to have the know-how to connect to Discover, which isn't exactly a small company...

    Based on the status page, they appear to be lacking in their ability to connect to many major financial institutions.

    Faness said:
    However, I wanted to be clear that we don't consider direct import a "critical feature".

    I think you should do some market research on this.  You may be surprised at how many people value direct import.

    The direct import feature is the MAIN reason I've been using YNAB over other platforms this year, and the only reason I'm willing to pay a not insignificant amount of money for it.

    Like 5
    • Hi Maroon Hammer !

      By "critical feature" we mean that YNAB continues to work and you can get the full benefit of the program without it, though I understand the arguments here. We'll continue to work towards a solution for this issue with our import partner!

      Like
  • I basically haven’t used the app for almost a month now because of this issue. I am seriously considering reaching out to support to see what refund options I have since the main reason I use the app is It’s ability to automatically track our multiple accounts. This is really disappointing 

    Like 6
    • Hi Turquoise Yeti !

      I'm sorry for the trouble! While we'd hate to see you go, we understand if you decide YNAB isn't the best option for you at the moment.

      If you delete your YNAB account, you'll automatically receive a pro-rated refund for the unused portion of your annual subscription. 

       - Log in to the YNAB web app.

       - Go to your Account Settings by clicking your budget name in the top left corner.

       - Scroll to the bottom and select the option to delete your account. (This will permanently delete your budget data.)

      Once you complete those steps, your pro-rated refund will go right back to your card. It may take a few days to show on your statement.

      We hope to have this issue ironed out soon. If you decide to use an alternative, we hope you'll give YNAB another try in the future.

      Like 1
  • It's discouraging to see how many people are opposed to using direct import in the interim.  It is not difficult and takes about 1 minute of your time.  I have been doing this for the last 3 - 4 weeks with no issue whatsoever.  I will admit, I'm anxiously awaiting for this issue to be fixed, but if you haven't tried direct import give it a shot.  Just make sure you export in the QFX format, I believe this is Quicken format.

    Like 3
    • Lavender Horn I am a FT working mom so I’m not in front of the home computer hardly ever - I rely on the app so this is a major inconvenience for me.

      Like 1
    • Slate Blue Transistor That is definitely something I had not considered.  I work in IT, so I'm almost always near or in front of a computer.  I agree if you are primarily a mobile user this would be less than ideal.

      Like
    • Lavender Horn I have been using file based importing (which is what I think you meant to say because direct importing is down).  People being frustrated with a service they pay for that is not working as marketed for almost a month is an issue. This is whether they have tried to use file based or not.  I know that at my company, something like this is a lot bigger than just an inconvenience for people who rely on systems everyday to gather and transfer data. If they had to go to a computer every time instead of  applications on their devices then that becomes a problem that interferes with their actual jobs. In our situation, everyone’s actual lives.  If you use direct import, that’s no different from downloading the file into excel and manipulating the data there. That’s unacceptable to pay for this “non” critical feature when it is the most critical to many of us. 

      Like 5
  • You may not consider direct import a critical feature but clearly many of your customers do. For me to pay for budgeting software, this is something that is critical.  

    Like 5
    • Steel Blue Network We understand the convenience that direct import provides and we're continuing to work with our import partner on a solution!

      Like
  • The support page is still not resolved. I use discover as my primary credit card and will be for the next year. If this issue is not resolved by the end of my trial period I will not be paying for this service. 

    Like 1
    • Lavender Android We're still working on a solution for this issue. We apologize for the inconvenience and we hope to have an update to share soon!

      Like
  • Anybody know of other apps that offer automatic syncing? I’m definitely closing my YNAB account. I tried doing the direct import and of course messed it up. I didn’t realize I had to change the account for which the qfx is for and now I have a completely botched ynab account with hundreds of duplicates. The whole point of the app is to remove pain and frustration of budgeting (which was the biggest reason I never budgeted before) but it has certainly failed at that

    Like 1
    • Hi Turquoise Yeti !

      I'm sorry for the trouble you're having with Discover and with the File-Based Import. We understand your frustration and we're working with our import partner on a solution for this issue.

      If you haven't refreshed the page or logged out of your account, the Undo arrow will allow you to remove those imported transactions. 

      If you’ve already refreshed the page and Undo isn't an option, your best option is to follow the steps below:

      1. Log in to your account from a web browser.
      2. Filter for unapproved transactions by typing “un” into the search bar in the upper right and selecting “is Unapproved"
      3. Select all transactions that need approval.
      4. Click on Edit and select “Reject” (Make sure you don’t select “Delete” as that may remove some of your entered transactions that were auto-matched to imported transactions.)

      This should take care of all of the imported transactions without changing the transactions you have entered in your account register.

      We'll continue to work on this issue and we hope you'll give YNAB another chance once this is ironed out!

      Like
    • @Turquoise Yeti  I'm pretty sure Mint offers automatic syncing. I'm looking at that option since Discover customer service is clearly telling us that they don't see this as a critical feature to provide for their customers.

      Like 1
    • Turquoise Yeti Steel Blue Network Most of them offer automatic importing, afaik. e.g., Mint, Personal Capital, and Nerdwallet's app. What they don't have is an Envelope Method style budgeting.

      For me personally YNAB is uniquely ideal for my day-to-day budget tracking. I look at it several times a day, every day. It actually helps me make decisions. Obviously the Discover thing is very frustrating for me. My solution so far has been to back off using my Discover card, but that's not ideal and I'm not sure where my line in the sand is on that.

      Personal Capital is fantastic if you want to track investments. I look at it at least once a day and it's the number I rely on for an accurate Net Worth. Mostly it just tells me how my stocks and my 401k are doing, since Fidelity and E*Trade's sites are both UI/UX disasters.

      Mint's basically just a good generic version budget app. If it didn't have almost all of my transactional data since 2011 I probably wouldn't still be using it. They do have the best charts and graphs though. I log in about once a week or once a month just to view trends, and if I want to see how my finances have changed over time (e.g., I'm spending WAY more eating out since I got my most recent job).

      I've got the Nerdwallet app too but tbh I haven't found much reason to use it since the other three are covering all my needs and it doesn't seem to do anything particularly better to lean toward it, so I've barely logged in.

      Like
    • Maroon Rain Thanks for the suggestions. I also really like the envelope method style of budgeting so looking at other apps that share this same approach (so far I have found goodbudget but haven't spent any time looking into it yet). I heavily depended on ynab, and, like you, I would reference the app multiple times a day to track expenses and make purchase decisions. I've deleted my ynab account so the search for its replacement officially begins

      Like 1
  • Now that it's been over a month since this issue arose, I'm getting to the point where I'm paying off the credit card that has not been syncing with YNAB and that is creating all sorts of issues. YNAB isn't recognizing the payment as coming out of my checking account and I pay off a part of the card using accumulated reward points which was never an issue before but now with the "direct file import method" it's not recognizing that as well. Which in turn screws up my inflow amount.

    This issue (that was supposed to last a week but now is "not a critical feature") has made budgeting more of a headache than when I did it manually before YNAB...

    Some kind of actual update is in order, other than "it'll be resolved soon". Like what actual steps are being taken and has any progress been made?

    Like 3
    • Hi Brian Bardzik !

      I believe my words above portrayed the wrong message - I should have stated direct import isn't a core feature. While direct import isn't critical for YNAB's overall function, we do still recognize its importance and expect it to work the majority of the time. We're still working on a solution and received our last update from our import partner on September 25th (listed on our status page) - while this has been escalated on their end, they aren't able to provide a time line for a fix.

      To keep your budget on track, you'll want to update the Payee of your credit card payment - once the payee reflects it's a payment, both accounts will update. 

      If that's still giving you trouble, please let me know!

      Like
      • Green Orca
      • Green_Orca.8
      • 1 mth ago
      • 3
      • Reported - view

      Faness Well it ought to be a core feature because you aren't going to have too many customers left without it.  Also not sure how letting over two weeks pass without communication with your partner qualifies as "working on a solution".  

       

      Those two statements alone tell me all I need to know.

      Like 3
    • Thanks for your feedback, Green Orca ! Once an issue is escalated, our import partner works directly with the financial institution to make the necessary repairs. They keep us informed of significant updates (identifying, resolution, etc) but our importing team does check regularly with them on the progress. We've been in communication, but there isn't new news to share.

      We realize there is room for improvement on how we communicate with our partner, and share that information with you—and will continue to work on that process!

      Like 1
  • I use Mint also. The DS connection to Mint works well. I don't see why YNAB is having so many problems.

    Like 1
    • jayne_m Other services like Mint, use other import partners. They have a monopoly on Intuit, who owns them—so things will work a little differently there. 

      We understand that it's frustrating when a connection isn't running, and we're working with our import partner on a solution for the Discover issue.

      Like
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 1 mth ago
      • 2
      • Reported - view
      Nicole said:
      [Mint has] a monopoly on Intuit, who owns them—so things will work a little differently there. 

      Every time I see you make this statement I'm never quite sure what you are trying to convey.  Yes, Intuit owns Mint.  Do you mean Intuit has a monopoly on direct import technology?  And therefore other providers have an inability to compete?  That sounds a little incredulous to me, knowing how large and aged this market is.

      Like 2
    • Annieland Due to the size and reputation of Intuit, they're given advantages with a number of financial institutions. They have easier access to direct connections with banks. While other providers are able to compete, the hill is slightly harder to climb, but we're steady working on it.

      Like
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 1 mth ago
      • 1
      • Reported - view

      Faness Ok, thanks for the clarification.  I think when describing the advantageous connection Mint has with Intuit and how it gives them much higher footing in the direct importing sphere, you can use different wording.  I don't think using the pejorative "monopoly" in describing the relationship between your competitor and its owner gets the point across constructively (and is basically inaccurate... how do you have a monopoly on your owner??).  Essentially, Mint being owned by a major financial powerhouse gives them much more clout in the rapidly expanding direct importing sphere.

      Like 1
    • Annieland I really like the way you phrased that! I'll make a note about the "monopoly" wording. Thank you for taking the time to share your thoughts here.

      Like 1
  • When will this issue be resolved? What is the latest ETA on a fix?

    Like 2
    • Hi Pink Disk !

      We aren't able to offer a timeline on a fix for this issue. Usually, direct import issues are able to be fixed within a few weeks, but this issue has proven to be of a larger scale. Our import partner is working with Discover on their next steps to fix the integration, but we can't say for certain how long that will take.

      Like
      • Pink Disk
      • Pink_Disk.9
      • 1 mth ago
      • 2
      • Reported - view

      Faness The issue has been happening for a month. Who is the import partner? It seems like the support responses are the same with no actual answers or support.

      Like 2
    • Pink Disk Quovo is our newest import partner and we're working with them on a fix. The only details we have is that they've had to reach out to Discover directly in order to rebuild their integration. We're monitoring this issue and providing information where needed - we're just as anxious for a solution.

      Like
      • Pink Disk
      • Pink_Disk.9
      • 1 mth ago
      • Reported - view

      Faness thank you! Fingers crossed this gets fixed soon.

      Like
    • Pink Disk there is no support, just give up. All you’ll find is excuses why the big corporations are so much better. They seem to forget small companies compete with the big corps via much better customer service 

      Like 2
  • At least for me it is just a  new single Discover Debit account. My Discover credit and savings accounts always sync without fail and have for a long while. Thought it worth mentioning so others would have hope. =D

    Like
  • You guys aren't knocking on the provider's door? Throwing developers at them to find out how to help? Where is Jesse in all this? Does he even care about his product!?

    Take some ownership instead of issuing platitudes.

    Like 4
    • Hi Spring Green General !

      We understand that overall the experience with direct import falls on YNAB and we're working to improve it. We're doing all we can to work with our import partner on a fix for this issue, and to improve direct import going forward to prevent occurrences like this one.

      Like
    • Hi Faness - Sorry your response sounds like bull plop and it doesn't seem like YNAB cares. Perception is truth. Get Jesse to wake up and write a technical response to everyone's questions.

      Like 4
  • I sent a message to Discover that they needed to work on it b/c it was frustrating for many of their customers and they told me to use Quicken, Quickbooks or emoney if I wanted direct import.  Seemed like they will not be allowing direct import with any other provider :(  Guess I won't be using my discover card anymore...

    Like
  • I am so very frustrated with YNAB right now...I have not been able to use my normal checking account with TD Bank in about a year correctly with YNAB, though used to work fine. I tried other programs and none seemed to have what YNAB had. So, Discover was working and I decided to use my discover checking account SPECIFICALLY to get around the TD bank problem YNAB had.  Now neither of my two checking accounts are working with no timeline for either to be resolved. Both Discover and TDBank accounts work on literally every single other budgeting program I've tried, but not YNAB. Are both parties holding out for more money from a deal or something? How does the biggest or at least the most heavily advertised budgeting program not support such major players like TD bank or Discover? 

    Like 3
    • Hi Maroon Sidewinder !

      I'm sorry for the frustration you've experienced using direct import.

      Discover recently made a change to their security settings so only certain financial software will be able to connect (big names, like Quicken or Quickbooks). In a similar fashion, TD Bank is blocking and/or limiting data aggregation via certain third parties. Both of these issues are being addressed on the partnership level - so our import partner is working directly with TD Bank and Discover to come to a solution.

      One of our import partners was just acquired by another data aggregation company, and that company currently has a working connection to TD Bank, which means we're moving in the right direction. We can't say for certain when these connections will be back up and running, but we'll continue to work on both of them!

      Please let me know if you have any questions at all! 

      Like
    • Faness Hi! Is it possible for YNAB to automate the file-based importing option? I'm never on my desktop, so it's inconvenient for me to use. But I know for Discover, it works via Quicken files. I reached out to Discover to see if I could use their API and automate it myself, but no response. Maybe YNAB would have better luck

      Like
    • Alice Blue Vacuum 

      Like
    • Alice Blue Vacuum From my understanding, that is how the connection worked before. Unfortunately Discover's changes have restricted access to the information by data aggregators (how we bring in your transactions), and it is only available to a handful of financial software companies. Our import partner is in talks with Discover, and we're all pushing for a resolution!

      Like 2
  • I just signed up for a yearly subscription and use Discover banking, really bummed about this situation.  I hope the developers properly prioritize the fix for this data integration

    Like 1
    • Hi Spring Green Pegasus !

      Sorry for the trouble! Our import partner is working directly with Discover, on a partnership level, to address this issue. Discover's recent changes limited access to transaction downloads to only a few third-party entities. Until they allow our import partner to retrieve those transactions, we won't be able to fix the connection.

      Like
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