Hi Cyan Koala and Stephen Clouse !

Sorry for the troubles you're having with the switch! If you haven't already, please report a Bank Importing Issue using that form so our Direct Import team can take a closer look at things. I've seen a number of issues with Capital One, but they'll be able to give you more details. :)

Faness I have reported the issue, but all I've gotten is the standard form letter response.

I'm just frustrated because, like I said, this all worked fine last week.

Hi Cyan Tape !

Since you were able to relink, fingers crossed those transactions show up. If you still aren't seeing them come tomorrow, please report a Bank Importing Issue using that form so our Direct Import team can take a closer look. :)

Scythe   Yep, I was sooo hopeful the switch to Plaid would improve my capital one checking access.  But now it's worse.  At least before I could enter my pin once a day, now it doesn't update for days at a time and then it asks for pin twice, back to back.  Is there a checking account I can get that will work properly?

Scythe We are seeing reports of delayed transactions, and there is an issue on our status page. Our Importing team can definitely look closer at your connections, if you have a moment to report the bank issue here.

As for on-demand updates, our CPO recently answered a similar question in the Upcoming Changes to Direct Import thread with more details. Plaid does check more often than our previous providers, so we are excited about what that means for the future!

Slate Gray Foal Can you please let our team know you're seeing two requests for the pin back to back? That's not expected, and we'd love to dig in! You can report a Bank Importing Issue here. Thank you so much!

Hi Maroon Mermaid !

We're currently seeing a widespread issue with delays. Our team is working with our import partner on a solution! You can check for any updates on our status page. Hopefully, things will be back up and running soon!

Hi Money Jawn !

We currently don't have a timeline for when this will be rectified. We'll keep our status page updated with any new information we receive!

Hi Aquamarine Lobster !

That issue has now been added to our status page as well! The double-entry requirement is abnormal and should subside, and our import partner is looking into it! :)

Hi Kazu !

When you have a moment, please use this form to report a Bank Importing Issue and our Direct Import team will reach out to help you get things back up and running! :)

Thanks Faness  for the quick reply.

I sent my inquiry on this through the help tool on the bottom right corner on YNAB but I haven't gotten any reply. So is it better to use the form that you've provided?

Ok, I will give that a shot. Thanks again!

Kazu If you already reached out to support, you don't need to submit the form in addition to that. The form asks direct import specific questions so our team already knows if you've tried troubleshooting and other steps. I see Sarah responded to you just a bit ago. Take a look at her email and respond back when you get a chance. :)

Faness Ah yeah I see her reply now.. I didn't notice because it went straight to the junk folder.

I will do that, thanks!

Hi Scythe !

Sorry for the trouble! As fate would have it, a couple wide-spread issues appeared with Plaid the week we made the switch. We're currently working to resolve them and we're keeping our status page updated with any progress. If you're running into an issue not listed there, please use this form to report a Bank Importing Issue so our Direct Import team can take a closer look for you! :)

Hi Steel Blue General !

If you haven't already, please use this form to report a Bank Importing Issue and our Direct Import team will help you get things smoothed out! :)

Orchid Motherboard - I can't blame YNAB or Plaid for this one. Capital One changed their methodology to force 2 Factor Authentication, which is what broke it. I actually have this same issue with other accounts that link back to Capital One.

I've been a customer of Capital One since when it was owned by ING Direct, and never had issues until the past year or so. Not seeing any movement, I actually moved much of my daily transactions to my local Credit Union, and use Capital One only to store some higher interest rate items.

We are all frustrated, but laying the blame on YNAB or Plaid won't solve the issue. All importers are feeling this pain, unfortunately.

Scythe The Plaid transition has definitely not been smooth. I guess I'm just lucky that I wasn't a part of it. I'm a little confused to be honest why some are on Plaid and some are not. Is it based on account or are users randomly dispersed among the various direct import services.

Superbone As far as I know, everyone is being transitioned.  Not sure of the drop dead date, but 25 May sticks in my mind.  I am getting some stuff, but I manually imported a lot just to get my budget aligned for May.   Right now....17 hours - Over a day for imports.  Not too worried yet as Monday is always kind of like that.

Scythe No, I was told that YNAB has multiple direct import partners, one of which was bought by Plaid (Quovo?). I was also told that my accounts weren't using that direct import partner and therefore my DI wouldn't need to be transitioned.

Superbone Ok, not arguing with you over that.  I said what I understand, you say what you understand. 

That being said.....NONE of this was happening until Plaid entered the mix.  FACT.

Scythe There’s nothing to argue about. I’m just saying I’m lucky that none of my accounts are using Plaid as I didn’t have to transition anything and therefore all my accounts are working without a hitch. Sorry you’re having issues.

Superbone Ok, now the question for YNAB is:

If there are multiple import partners, HOW do we get to use one of  those instead of Plaid?

Can I officially request to not have my stuff non-imported by Plaid?

Hi Scythe ! While Plaid is our primary import partner moving forward, we will also continue to work with MX. You can reach out via the Bank Importing form and our team is happy to walk through which option is best for you. 

Nicole Thank you.  I filled out the form.  Kind of generic responses from me since my primary question is MX vx Plaid....which is better for me?

Scythe Thanks! You're right, the form isn't quite set up for that scenario—and I'll chat with the importing team, to see how they'd like us to handle that.

On one of the first screens, you're asked which banks are having trouble (and to list, if multiple). If you did that, that's enough to get them started. If you wrote something else, you'll see an email shortly after submitting, and can reply there with the banks you're looking to connect to!

Hi Maroon Panther !

With the switch to Plaid, we no longer suggest removing and then re-adding the account. We're still working out a few issues with direct import, but if you have questions about your accounts you can report a Bank Importing Issue so our Direct Import team can take a look.

Hi Wizard !

Sorry for the trouble! Our import partner was able to identify the cause of the multiple verification requests and we're currently working with them towards a solution. Hopefully, this behavior won't persist for too much longer!

Alice Blue Mill Seems hit or miss with me.  For example, my USAA accounts were connected a "day ago", while citi bank was connected 16 hours ago, and other accounts were connected 8 hours ago.   Nothing imported, but any transactions may not have clear yet.   😒

I heard they use multiple importers, so I wonder when/if  the 'Opt out of using Plaid' option becomes available, as this switch has been ridiculous on many levels. 

I am sure many of of us are questioning if the Plaid connections were tested at all before roll out, and if not - when did we volunteer to be a beta testers? 

Scythe I also have to authenticate every time with Wells Fargo twice not just once

Marcus While Plaid is our primary import partner moving forward, we will also continue to work with MX. You can reach out via the Bank Importing form and our team is happy to walk through which option is best for your mix of banks. 😄

The double re-authorization is one of the issues mentioned on our status page. They've identified the cause, and are working on a fix!

Nicole Thanks Nicole 🙏 

Marcus I filled out their form, and said I wanted to be transferred to MX.  I was contacted shortly thereafter and was transferred to MX in about a day or so.   MUCH BETTER.  Everything seems to be updating, except my amazon store card account.  I don't really care about that account and there are not any transactions on it so it doesn't matter.

Scythe BTW, the Chase Amazon Prime CC works great with YNAB (and MX).

Scythe Do you have a Capital One account on MX now? WIth the previous integration, while I still had to authenticate through a SMS message, on the iPhone, it wasn't that bad because it copied the number to m clipboard automatically. Now, it won't work worth anything. :( It's no longer my primary bank, but still want it to work.

Thanks!
Stephen

Stephen Kirven No, I am not a fan of Capital One, so I do not bank with them.

Aquamarine Storm Do you find you have to receive a text authentication before the transactions upload.  Plaid asks me to authenticate every time and I have to do it twice and receives two codes

Alice Blue Mill This is an issue we're investigating with our import partner! They've been able to identify the cause, and are working on a fix for the double re-authorization. You can reach out to our importing team here, and they'll be happy to tag your account—so we can reach out when a fix is in place.

Aquamarine Storm It does! But that doesn't matter much, if you're not seeing it yourself. Right? When you have a moment please report a Bank Importing Issue here, and our importing team will get you fixed up. 

I took a quick peek, and it looks like you have a new batch of transactions ready to import right now!

Alice Blue Mill Yeah, I've looked at it, but honestly YNAB is better AND cheaper.

Dave Ramsey hates credit cards, but requires  you to use one to subscribe.  🤔

Scythe That's funny, you're right.  What I have found early on with credit cards, since I use one for the travel points, once the transaction posts, I move it to the budget category and that's it.  

It tracks my balance of my card in the accounts screen and I pay the card off every two weeks and it seems much simpler

I still like YNAB but again today, no transactions imported

Alice Blue Mill Yeah, ONE of my accounts seems to be hitting everyday now, my costco visa card (citibank) which is a plus, as that is the main thing I use due to the fantastic cash back rewards.  I also use YNAB in the same manner to ensure it's paid off in full every month.  

My credit union and bank accounts are hit or miss - mostly just saying "a day ago", but they've been saying that for days now.  🤬  I can't honestly say if they are importing at all, but there is so little activity, I've been doing it manually this last week.

RickyZ Our importing team can check on that connection for you! Please report a Bank Importing Issue here, and they'll take a closer look. 🙂

Scythe I must have missed it and I can't find it now, where did they say on demand importing is not possible?

Herman 

Perhaps they didn't say that exactly, but that's how I read it when reading through it all.   Note, the discussion does mention it may be possible in the future.  

Why can’t I trigger an import whenever I want to?

It feels like you should be able to, right? But this goes back to the point at the end of the previous question. If, instead of our aggregation partners pulling transaction data a set number of times per day, everyone could request the data over and over again, this situation of banks being overloaded with requests would get worse, and the experience may be worse for all.

Scythe Doesn’t say they can’t. Sounds like a design decision to me.

Scythe Yes, they chose to do it to prevent excess requests to the aggregator.  I pointed out in that same discussion that they could easily limit the number of calls but still give the control to the user.  I guess we'll see what comes of it.

Sorry for the trouble, Purple Leopard ! We're currently working on this issue with our import partner and you can check our status page for updates. :)

Faness Hello, this double authentication along with credit cards or banks not importing is frustrating.  Yes we can enter manually but we are paying for a service that imports.  Do we have a time frame for resolution?

Alice Blue Mill 

I agree this is becoming a Pain now. Faness The Status page has not been updated

Alice Blue Mill ynabHammer  Sorry for the trouble! I know it's frustrating, and a high priority to resolve. We aren't able to offer a timeline, but our team is checking for progress updates daily. We will continue to update the status page as we hear more!

Nicole  Why was the rollout to Plaid made before fully testing and confirming it is working as it should? YNAB's paying customers are not beta testers. The multiple authentications and severely delayed transaction imports (or not importing at all) is a widespread issue that was immediately apparent from the time of the switch to Plaid. Excuses and generic answers do little to make things right.

I think YNAB should address this by sending out a communication that acknowledges the issue and then consider adding the amount of time it takes to resolve the issue to the back end of their customers' subscriptions.

Magenta Tiger I'm glad to hear that it's been life changing, but our team can help look into any connection troubles you're having! We do have another import partner and our team can check to see if that's a better option for your mix of banks. Please fill out this form, so they can get the ball rolling! If you're seeing the double re-authorization, the cause has been identified and we're hoping a fix is in place soon.