Updated to Plaid, but No Imports

Just went through updating my Capital One accounts for the Plaid transition, but now I can't import anything.  Curious if anyone else if having the same issue.   

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  • I tried unlinking and relinking, and now Plaid is saying "Capital One has made a change that prevents you from being able to link your accounts" and I cannot proceed further. 

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    • Hi Coral Snow !

      Please use this form to report a Bank Importing Issue. Go through the prompts to submit and our Direct Import team will follow up with you to get things back up and running! :)

      Like
  • Aquamarine Projector said:
    Why was the rollout to Plaid made before fully testing and confirming it is working as it should?

    I'm disappointed with YNAB in this regard.  I've been frustrated with import issues in the past, but I felt a lot of that was outside of their control.  The implementation of Plaid seems to be something entirely within their control.  

    I get the feeling that YNAB leadership likely use "manual entry" as their primary way of getting their transactions into their YNAB, so when direct import issues come up they aren't as impacted as many here are.  :(

    Like
  • Seems like the migration to Plaid was a bit of a step backward. Any chance you're considering going back to the old system? Some accounts still update. SoFi can't make a connection at all. CapitalOne prompts for creds on every connection and then does multiple MFAs. Eventually it downloads transactions. Be nice if they could fix this. Been broken for a couple weeks now. Shouldn't take this long to fix an IT issue.

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

      Robert Larson Plaid bought the previous importer so I don't think that's an option.

      Like 1
  • The only issue I am having with importing from Capital one is that I have to sign in with UN/PW once and verify with code twice which is annoying.

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    • Cadet Blue Sound I'm glad to hear you're able to connect! We're working with our import partner on resolving that annoying part! 

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  • Will there be any partial refund of paid subscriptions for the length of time that a reported feature as been unavailable?  I am pretty sure it is against consumer protection laws in several states, and the EU, to charge for paid advertised services which are not provided.  I have had a lot of difficulty in determining 1). that there was an issue, and 2). that the issue may impact me because it appears that employees of YNAB are actively removing negative consumer discussion related to issues with their product.  The fact that there is a form to fill our (which I have done), and that there is a manual import option is not sufficient recourse for the absence of a paid feature.  If there is an issue with one of YNAB's contracted import vendors that should not be the burden of the consumer.

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    • Sea Green Tiger Also I would like to say that YNAB has my email, and based on the issues with the import vendor they could identify the people impacted and provide a direct email notification when the problem is identified.  Even if YNAB does not have specific enough access to YNAB account data they do have aggregate anonymized data, and can  determine that 35% of YNAB users with USAA and 20% of YNAB users with Citi Bank are experiencing issues and could determine that a sufficient threshold of their user base is impacted warranting an email to all users who allow those types of notifications.  Now I fully well understand that YNAB may just make my comments disappear under the "Cause annoyance, inconvenience or needless anxiety or be likely to upset, embarrass, alarm or annoy any other person." section in the Contents Standards of the Terms of Service.  I have wasted 2 weeks of the free time I have had trying to fix this issue, and if YNAB does remove this comment refusing to answer to its customers they will find it harder to answer to the complaints filed with federal and state consumer protection bureaus.  To all the YNAB staff working to fix these issues thank you, to the YNAB management please communicate better. 

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    • Hi Sea Green Tiger !

      Sorry for all the trouble you've had with direct import! We're trying to be as transparent as possible with these issues and we're keeping our status page up to date with any new information we receive. While we usually don't send emails, we have tried in-app messages before to notify affected YNABers - I'll let our team know that you'd like to see more of these proactive messages.

      Unfortunately, data aggregation is an imperfect process and we expect that banks will present unique and difficult challenges that will be time-consuming to resolve. While we do everything we can to fix them as quickly as possible, it’s just not something we have the power to eliminate (as much as we wish we did).

      For these reasons, and multiple others, we tend not to offer compensation for direct import issues. While we do offer alternatives for transaction entries, if none of those work for you, I understand. Given the imperfect nature of transaction aggregation, it might mean that YNAB just isn’t the best option for you.

      Since you reached out to our team, they'll be able to better assist and offer more information. We are closing duplicate threads about Plaid issues to make sure we keep the forum organized and can address each post on the topic in a single place, but we'll be keeping this thread and our initial announcement open.

      Like
  • It makes me sad, but I'm really having to evaluate whether I will renew subscription later this year, based on Plaid's refusal to import my transactions. They did for a few weeks, but now it has stopped again. I am not submitting another form. Everybody knows there's a problem here. It just needs to be fixed.

    Like 3
    • Cyan Tape 

      I feel ya, Im at a cross roads as well. With no real status, its not clear if this is even being addressed.

      Like
    • Hi Cyan Tape and ynabHammer !

      Sorry for the trouble! We are currently working on a number of direct import issues listed on our status page. Unfortunately, I can't say for certain how long it will be until those issues are resolved. I understand the frustration with direct import and not wanting to report a Bank Importing Issue. However, that's the best way to contact our Direct Import Team directly and they can look at your individual accounts to see if switching to a different provider or trying other alternatives are an option for your account.

      We'll continue to work towards a solution and I hope we'll have this ironed out in the near future!

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      • ynabHammer
      • ynaBHAMMER
      • 1 mth ago
      • 1
      • Reported - view

      Faness Thanks. I was able to switch to another Import provider, Fingers Crossed this fixes my import issues. Seriously tho, you guys needed more testing before your cutover.

      Like 1
  • I haven't had this problem specifically, but I have noticed that many of my accounts are updating much more slowly. I don't really find much value in direct import anyway, so I think I might just turn it off. A big part of me wishes they'd not bothered with direct connections and passed the savings to the subscribers. I would be much happier with YNAB with no direct importing for $30 a year.

    Like 1
  • I disconnected all my accounts for a few days, then reconnected.  It's working now, thankfully.

    Like 1
    • FmrMSFan Glad to hear it! If you have any further trouble, let us know. 

      Like
  • I'm still having these issues after the Plaid update.

    Capital One: Shows Connection Good, Last Updated 9 Days Ago.  IMHO, connection is not very good if it hasn't connected in the last 24 hours.

    Amex shows: Connection Good, Last Updated 20 Hours Ago but no transactions in 8 days. IMHO, connection is not very good if it takes more than a week to import.

    I'll try again in a few months, but today I'm switching these to UnLinked and importing from file.

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

      Blind Scientist You should work with support. All of my accounts are always updated within 8 hours. I just had an issue with one particular account that I suddenly had to reauthorize every day. They were able to help me out. Turns out my ad blocker was causing issues.

      Report a Bank Importing Issue

      Like
    • Superbone Thanks for the advice and the link, I will reach out to support.

      Like 2
    • Blind Scientist Eight days is definitely longer than I'd expect! When you have a chance, go ahead and fill out the form. That gathers a few details for our importing team, so they can investigate—and they'll be in touch via email.

      Leave the accounts linked for now, or relink. You can still use File-Based Importing with drag & drop, or go to "All Accounts" then click Import. 🙂

      Like
      • Robert Larson
      • IT Consultant
      • robertl30
      • 1 mth ago
      • Reported - view

      Blind Scientist Contact support. Ask them to move you off Plaid and onto MX. They are a different import provider that works with CapitalOne. I made the switch a few days ago and all my CapitalOne issues went away. I still get an MFA every day, but what are you going to do? Banks, right?

      Like
  • I've got the same import issue after "upgrading" to Plaid. I got the upgrade and reconnected my accounts. All my transactions were successfully imported and cleaned up the duplicates. The next day, depsite having 7 new cleared transactions in my bank account, YNAB says there is nothing new to import. After a few hours, YNAB says I have 4 transactions to import. So I imported those but that left 3 cleared transactions that were not imported. I've been using YNAB for a few years now. I've recommended it to a lot of people. It was the best budgeting program out there. But if I can no longer rely it on it to successfully import my transactions, then the program is no good to me. Keeping my budget up to date is very important - can't live without it. So I am not going to wait around a long time for a fix. If this doesn't get rectified and start working properly in the next week or 2, I am going to have to find a better budgeting program. I did email support, though based off all the comments on the forums, it doesn't seem hopeful for a solution. What a shame. YNAB was an amazing program.

    Like
      • Robert Larson
      • IT Consultant
      • robertl30
      • 1 mth ago
      • Reported - view

      Tomato Wizard I think you'll find most software will have the same issues. It's not YNAB as much as the banks. Lots of MFA and recaptchas causing the problems. And elimination of the "remember my PC for 30 days" type things. This is security in 2020.

      Like
    • Tomato Wizard Your connections are looking good! There are new transactions that should pop up with the next sync. If they cleared this morning, it may have been after the overnight check. I sent a reply to your email with details, as well as next steps—if needed. Thanks for writing in!

      Like
    • Robert Larson I get that but this everything worked fine for me for years up until 2 days ago. So something is going on here.

      Like
  • Tomato Wizard said:
    I am going to have to find a better budgeting program.

    Good luck with that. Many have tried but all have failed.

    Instead of complaining to the forum, why don't you try working with support to get the issue fixed?

    Report a Bank Importing Issue

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    • Superbone I said in my post that I have emailed support. I added my importing issue on the forum just like everyone else experiencing problems have been doing because I think it helps to see how widespread the issue is. But thanks for your feedback.

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

      Tomato Wizard OK, good to know. Let us know the results and if you're able to get it fixed. Thanks.

      Like
  • Just an update on my situation after working with support. It looks like Plaid is working the way it is supposed to work. With my main spending account at PNC, Plaid will only update once a day with PNC and it seems to be in the afternoon sometime.  With Chase it updates more then once a day. My issue is I need to reconcile my account and update my budget in the morning before work. And since Plaid does not import PNC until later in the afternoon, my account will not include any of the previous days cleared transactions. So I will have to manually input any missed transactions from PNC. With MX, my previous day's PNC imports were always available first thing in the morning. However, YNAB support does not want to seem to move me back to MX which worked fine for me for years since I signed up. Maybe they are being told to push Plaid? I guess it doesn't matter either way. Bottom line, looks like it just is what it is. However, the Plaid upgrade, despite it being touted as a better option, has, at least for me, diminished my experience with the program. Not the end of the world, but definitely less automated.

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

      Tomato Wizard Thanks for the feedback. Interesting that they didn't want to switch you to MX. I wonder if MX is bearing too much of the load due to Plaid's issues?

      Like 1
    • Superbone Not sure. But I did ask a couple of times if I could just go back to MX and was told each time that they think Plaid is my best option even with the delayed importing. I never had any problems with MX until last week where it imported transactions into the wrong account. That was why I contacted support and they moved me to Plaid because of it rather then trying to troubleshoot the MX issue, So I don't know if there is a bigger MX issue right now or if that was just a hiccup. MX worked perfectly for me for years. Never had a problem. I was hoping they would move me back so we could see if that issue is fixed because then I would not have the delay and my accounts would be current like they always used to be. I just checked and the last time Plaid updated my PNC account was 16 hours ago (so that was 6pm ET last night). It will only check it once per day. PNC updates the cleared transactions after that time. So when I sit down to reconcile my account and update my budget in the morning,  Plaid will only import transactions from 2 days ago, as it pulled them in at 6pm the night before. Chase and Wells Fargo get checked several times a day by Plaid, but not PNC. YNAB support said this was in an effort to avoid resetting captchas, but to be honest, I never had that problem with PNC when I was on MX. If Plaid would check PNC at 3am instead of 6PM, it would capture all of the most current cleared transactions. But I was told that it cannot be configured to do that. I am not sure why, since MX did that just fine. Anyway, its seems like I am just stuck with it being the way that it is. It is still a great budgeting program overall, just with a less functionality for me since I have to manual import now so it will take me longer to reconcile my account.

      Like
  • Plaid imports for CIBC visa have been broken since the start of the month and sporadically broken for all of the previous month. Support has indicated that CIBC has likely changed something that has broken Plaid, however, I have had no such experiences with mint.com - I recognize that it's an entirely different service and likely using a separate import solution, however, seeing that they have not had any import interruptions tells me that it's more likely a Plaid problem.... or whatever import partner my account is set up with.

    This is a long time to go with significantly broken service.  To compound the challenge, the imports that *have* succeeded have the wrong date when compared to the bank, which means I see duplicate transactions if I enter things manually and I then have to check every import against my manual entries to clean up the dupes.

    YNAB support has been amazing and communicative and has gone above and beyond by extending my trial period... but the lack of successful imports in nearly 2 months has left me with a bad taste.  I have a couple weeks left on the trial, but at this point, I don't think I can proceed as a paid customer.  I can have a similar experience building out my own spreadsheets or with freely available services.

     

    I hope this can get resolved soon because the product really is great, well polished, and very user friendly.

    Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 3 wk ago
      • Reported - view

      Maroon Hammer Are you working with support on the issue?

      Like
      • Herman
      • herman
      • 3 wk ago
      • 1
      • Reported - view

      Maroon Hammer Even if this situation is resolved, there will be more import issues, guaranteed. If this is that critical to you, I recommend looking for another service.

      Like 1
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