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! :)

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  • 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.  :(

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  • 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
      • 11 days 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.

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  • 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 1
      • ynabHammer
      • ynaBHAMMER
      • 4 days ago
      • Reported - view

      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.

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    • 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
      • 2 days ago
      • 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.

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  • 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
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