FLIPPIN CAPITOL ONE

Is there anyone else fed up with this ONGOING ISSUE with this bank??? I swear I have been dealing with this for over a year and I am FED UP. I connected to them last week and NOW I CAN'T GET IN, and this is what it has been like for the past year! I have already sent something to support but I want to know if anyone else has this ongoing issue! I just paid another $45.00 bucks and am in no mood to be paying AGAIN  for this ongoing problem! Anyone??? 

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  • Hi folks!

    Capital One recently made changes that prevent their customers from sharing the details needed to connect to third party apps, which impacted the Capital One connections in YNAB. We work with four import partners, and this has been an issue across the board. You may use another app or service that connects through a different one, so the behavior can vary.

    The best way for us to help is if you report a Bank Importing Issue here—and our importing team will be happy to look at your specific connection. It's a high priority for us, and our partners!

    Unfortunately, there is no timeline for a resolution, but we’ll post updates on our Status Page as soon as we have them, and when you fill out the form above—we'll also be able to reach out directly once we have actionable news.

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

    1. File Based Importing in the web app (you can drag and drop a file containing your transactions right into YNAB!). Here are screenshots showing you how to download a file from Capital One—Step 123, 4, and 5
    2. Active entry using the mobile app.
    3. Scheduled transactions (for those regularly occurring transactions that you know about)

    We will continue to do all that’s in our power to push for a resolution, and we encourage you to do the same! Feel free to reach out to Capital One on social media, email, or phone calls to let them know you care about having the ability to use third-party services like YNAB, which help you gain control of your money.

    Like 1
  • Alice Blue Wildebeest what do you mean you can't get in? Into what?
    I've used Capital One credit cards for years, and have never had any issues. They've been great for me, and I like their online management tools way better than any of the other 5 cards that my boyfriend and I have.

    Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 6 mths ago
      • 1
      • Reported - view

      farfromtheusual  I think this in reference to the direct import. Personally I don't bother with it.

      Like 1
    • nolesrule I guess so, but it's hard to tell from the OP.

      I don't use direct import, either, I prefer to know exactly what's going on in my account. It helps me stay much more aware of my purchases and spending. I only spend about 10 minute two or three times a week updating everything (which is 3 budgets total).

      Like
      • Herman
      • herman
      • 6 mths ago
      • Reported - view

      nolesrule Have you made the switch to nYNAB?

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 6 mths ago
      • Reported - view

      Herman Shhhhhh!

      Like
    • farfromtheusual farfromtheusual import from YNAB to bank and back. I paid for direct import not to do this manually. 

      Like 2
      • Herman
      • herman
      • 6 mths ago
      • Reported - view

      nolesrule LOL, at one point I thought you were planning on making the move so  I thought maybe you had!

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 6 mths ago
      • 1
      • Reported - view

      Herman Back in February I was doing one of my trials and mostly got fed up with the slowness of YNAB4 on my main computer when I had a lot of other things open. But really once they added the running balance feature natively it got to the point of being good enough (yeah, I know the toolkit has it, but I've seen YNAB do updates that break the toolkit regularly). As I mentioned in that other thread there are some key features for users in stable positions/situations I think they should introduce to eliminate the need for a  bunch of the user-created workarounds (and no, I do not think they should bring back the red arrow).

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

      Alice Blue Wildebeest You must really feel for European users paying full price for no direct import.

      Like
    • Alice Blue Wildebeest interesting. I paid for a budgeting system so that I can give my dollars a job so that I have clarity and peace of mind around my money.
      The amount of energy expended on wishing the direct import was working correctly is more than enough for most users to actually just enter their transactions, particularly knowing there is an app for that so you can do it at the time of purchase, leaving only a few automatic payments to catch up on when logging in.

       

      YNAB is very clear that they are working on the direct import stuff constantly, and that despite everything they do, there are no guarantees. There's another post around some updates that are likely to come out soon. If you can wait that long, they will likely have it fixed (capital one is a huge credit card vendor here in the US after all). If you can't, then I don't know what to tell you.

      Like 2
    • farfromtheusual and again I paid for something that works and this is something that has been going on for quite some time and I've put up with it. I'm tired of it. $45.00 is obviously something you don't care about but I do, especially since actually I paid $45.00 last year for it and now another $45.00. Don't bother to reply, I'm asking for a refund, I'm done. This isn't the only game in town. 

      Like 1
    • Alice Blue Wildebeest I can see your point, and I respect that. Good luck with your endeavors.

      Like
    • Alice Blue Wildebeest  There's an update about the status of Capital One here, there is an ongoing issue. I know it's really frustrating when a connection isn't working as expected and I'm sorry for that! My colleague Sarah responded to your email with a few things to try if you'd like to troubleshoot the connection.

      If not, we understand. Please reply to the email and let us know that you'd like to move forward with a refund. We'll get it taken care of!

      Like
      • ynabHammer
      • ynaBHAMMER
      • 6 mths ago
      • Reported - view

      Nicole 

      Are you guys sure this is a CapOne issue? My Direct Import has been working fine, until the new Import cutover this weekend. Now it's not working even after re-submitting my Banking Creds.

      Like
    • ynabHammer Yes. We work with four different import partners, and it caused trouble for each—but they're all a bit different depending on security features, etc. If you can report a Bank Importing Issue here, our team is happy to look closer at your specific connection!

      Like
      • ynabHammer
      • ynaBHAMMER
      • 6 mths ago
      • 1
      • Reported - view

      Nicole 

       

      Thanks, Nicole. It appears to be working again. Fingers Crossed

      Like 1
  • I continue to have to reauthenticate with capital one and that is expected to continue.  If import really is a deal breaker for you,  I think you should seriously consider NOT renewing.   A lot of people claim it is a deal breaker but it clearly isn't.  

    Like 1
  • Is Capital One your main bank or a credit card or both? I got around the issue by canceling my Capital One credit card. It's not all on YNAB. Capital One is just as much to blame if not more.

    Like 1
  • The transition to Plaid appears to have made importing from Capital One worse and not better.

    Like
  • Capital One doesn’t work in any of my apps. It’s them, not my apps. 
    YNAB however works just fine, just as it always has. If you’re paying $45, you used YNAB 4 at some point, so surely treating an account or two as you had to in YNAB 4 isn't that arduous?  Nevertheless, if the value proposition isn’t there for you, then it isn’t there for you. Honestly, if my grandfathered price disappears at some point, I will have to rethink it also. I don’t mind $45/yr for software that makes the 3 rules easy and the 4th rule at least not too cumbersome. But if it ends up being $84, I wil have to rethink as I don’t need and don't want to pay for others’ one on one chat support. 

    Like 5
      • dangerosity
      • Aquamarine_Piranha.9
      • 6 mths ago
      • Reported - view

      WordTenor I was wondering where the $45 was coming from. A YNAB subscription in CAD now is ~$127 😱

      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 6 mths ago
      • Reported - view

      dangerosity Yes. If you signed up before a specific date, you get a grandfathered price of $50, at least for now. People who used YNAB 4 get a lifetime 10% discount regardless of price. So $45 is a YNAB 4 user who migrated to the web app early (I think it was late 2017 when the price went up, but I don’t recall.) 

      Like
  • I have always been able to import from my Capital One (which I use for everything) until the update.  Suddenly, I can no longer import so I sent YNAB an email. This is the response I got:

    I'm glad you reached out! Thanks for reaching out about this! Capital One recently made changes that prevent its customers from sharing the details needed to connect to third-party apps, which impacted the Capital One connections in YNAB. Our import partner, Plaid, is working with the Capital One team directly on our behalf.

    Unfortunately, there is no timeline for a resolution, but we’ll post updates on our Status Page as soon as we have them, and we'll also reach out to you directly once we have any more conclusive news.

    YNAB is telling me that capital one will not connect with ANY third-party apps.  Is this true??!!  Or is it that capital one will not connect with YNAB?  I have to figure out which one to dump.  

    Like
      • TAS
      • Tan_Welder.9
      • 6 mths ago
      • 1
      • Reported - view

      TAS So I contacted Capital One and was advised that Plaid does not meet the security requirements for capital one (not very reassuring).  So it is Plaid that is incompatible, not "all third-party apps" as YNAB is telling us.   Hey YNAB -- integrity matters!  Not only is your system deemed insecure, but you are attempting to pass the buck.  Accept responsibility and fix this! 

      Like 1
  • As of today Personal Capital links to CapitalOne still work, though it's convoluted process to make it sync, and it has to be re-done frequently. Just saying this to answer the question of whether no 3rd party apps work with CapitalOne.

    Like
      • Herman
      • herman
      • 6 mths ago
      • 1
      • Reported - view

      Sky Blue Lion I'm connecting with capital one via ynab and personal capital and the experience is pretty much the same.  Connect,  get a security code via text enter it and done. 

      Like 1
      • Herman
      • herman
      • 6 mths ago
      • Reported - view

      I guess i have to revise that. This morning I can't get personal capital to connect. YNAB connected just fine.

      Like
  • I was talking to a representative today at Cap1 and they said that YNAB needs to be a part of their swift ID program in order for this to work, is that something YNAB is working on?

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

      Steel Blue Pegasus Hmm. I wonder if YNAB would have to pay for that? Banks have always been great at nickel-and-diming their customers. I'm sure they do the same things for third parties.

      Like 1
    • Superbone That was my first thought... How much more is direct import going to increase my price? (I don't use it).

      Like 2
  • Technologies change, things need to get updated.  the direct importers should be under an SLA to work or fire them.  it's not like we're talking about hodunk bank here.  there are only so many major credit providers...  the only feature i like in the web version of ynab is direct import.. 

    Like
      • Herman
      • herman
      • 6 mths ago
      • 1
      • Reported - view

      Gold Trumpet To each his own of course but I would never pay for ynab just for the direct import, so many better options if all  you want is aggregation of accounts and transactions.

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

      Gold Trumpet The only feature you like? So... you're not budgeting proactively? Yeah, I'd move to Mint in that case.

      Like 1
    • Superbone i said the only feature of the web version.   ynab 4 worked just as good and was less of a headache all around.  what's left in web that is really killer-better?  goals?  i find those garbage..  credit card tracking?  pain..  ynab is getting stagnant.  

      Like 1
    • Superbone i was a mint user for years before ynab.  it was terrible! ;)

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

      Gold Trumpet I agree for budgeting. YNAB is the best I've found by far. Mint does have superior direct import though.

      Like
  • Ready to tear my hair out. The time before the last time I tried to connect I called Capital One. The claimed they didn't know of anything called YNAB or youneedabudget.com. If YNAB can't come to some kind of arrangement with Capital One then at the very least they could post a list of compatible banks. I'm beyond frustrated—it's been what... six/eight/ten months and counting????????

    Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 6 mths ago
      • 1
      • Reported - view

      Cadet Blue Rhythm YNAB doesn't work directly with any of the banks. They use a third party aggregator for authentication and data. Secondly, why would a front line customer service rep know anything about IT operations?

      Like 1
      • TAS
      • Tan_Welder.9
      • 6 mths ago
      • Reported - view

      Cadet Blue Rhythm I asked the YNAB rep if I could get a list of compatible credit cards and was told by YNAB that the won’t give this out for “liability” reasons. Which is total cop-out. YNAB doesn’t want to advertise that it is NOT compatible with all credit cards so they bury their heads in the sand. It’s easier to apologize to new subscribers than to warn them before they spend their money. 

      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 6 mths ago
      • 2
      • Reported - view

      TAS 

      ...I would never choose a financial product based on whether or not it syncs with YNAB. That strikes me as backwards. 

      Like 2
    • TAS Crazy. The upshot is, of course, that YNAB being such a good budgeting tool I’d be willing to trade one bank for another. But not knowing where to jump—if I’ll end up in the exact same position with a different bank—means I don’t want to put myself through the rigmarole of doing this. A workaround I’ve found is to download a QFN file of my transactions from Capital One and drag and drop it directly into YNAB on my desktop’s browser. Certainly not ideal—not “frictionless”—but gets me moving forward again.

      Like
    • WordTenor Then why are you using YNAB?

      Like
      • Herman
      • herman
      • 6 mths ago
      • 3
      • Reported - view

      Cadet Blue Rhythm  Direct import is not a deal breaker for many.  If an account doesn't sync, I will update manually and use file based import to assist with reconciliation.

      Like 3
    • TAS YNAB is doing their best (or their third party company) to keep up with the dozens and dozens of financial banking websites, which frequently change, with zero notice to any of the third parties that connect to their sites. I don't blame YNAB for not giving out a list of "compatible credit cards" because it doesn't really exist. It changes as faster than most people change their underwear.

      YNAB is attempting to provide an additional service, and sometimes it works, and sometimes it doesn't. You can thank the fact that there are no standards for financial institutions in the US, so each bank/credit card company has it's own format to their website, which means that each import has to be custom built.

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 6 mths ago
      • 3
      • Reported - view

      Cadet Blue Rhythm Because importing transactions is not a core function. It's a nice to have that doesn't really affect the YNAB method or functionality.  At it's core, YNAB software is just 3 steps:

      1. Receive money (inflow transaction)
      2. Put this new money you have into categories
      3. Spend the money according to category balances (outflow transaction)

      A fourth step might be move money around between categories as needed.

      One does not need Direct Import to manage any of these things in YNAB.

      Like 3
  • Importing transactions for a browser based site/app IS completely a core function. Thinking it isn't is a problem if the management of YNAB agrees with it.

    Regardless of whether I manually enter transactions, validating via Direct Import is an essential check in the financial management of a budget. I have only had this much trouble in a financial app one time before. That was when Intuit screwed Quicken up so much, I left them.

    Funny thing is, I was fine before the latest update even with numerous Capital One accounts. I just refreshed from my phone, got the authentication code, update.

    Now it is broken, with no ETA

    Like 1
      • Herman
      • herman
      • 6 mths ago
      • Reported - view

      Navy Blue Drum If  you haven't already, try removing capital one completely and re-adding it  My  cap one accounts are working just as before but I did have to do that a few days ago. On the other hand, I agree with nolesrule and don't believe direct import is a core function.

      Like
    • Herman oh well that didn’t work. Now I can’t even re-add them as a linked institution.

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 6 mths ago
      • Reported - view

      Navy Blue Drum 

      Navy Blue Drum said:
      Importing transactions for a browser based site/app IS completely a core function.

       Nah, it's a functionality of convenience. YNAB has still existed for longer without Direct Import than it has had it. It isn't needed for YNAB to work.

      For the record I have 1 checking account, 3 savings accounts and 2 credit cards with capital one. I'm not using Direct Import.

      Like
    • nolesrule nah. Not previously having something is not a reason for not having something now. I was using Mint before with import for longer than I've been using YNAB, so no need for something new right (at least Mint connects to my accounts for free).

      I am not in for having a tiff about whether it is needed. YNAB sold it as a feature and now does not provide it with an update that made it not functional.

      Like 1
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 6 mths ago
      • Reported - view

      Navy Blue Drum but I thought the discussion was about whether or not something was core functionality. Moving the goal posts?

      Like
    • nolesrule So here we go again. I absolutely consider syncing accounts online core functionality for an online app...you know...for it to work online. You will never agree with that so you don't get to make accusations of moving any goal posts.

      I was sold real-time access to my information as a feature. It has never been real time but it at least updated. Now it looks like it won't even do that.

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 6 mths ago
      • Reported - view

      Navy Blue Drum yeah, so I'm a web application solutions architect. I have this argument a lot with various steakholders of the projects I work on.

      Core functionality is functionality needed to achieve the primary objective of the software. The primary objective of the software is the YNAB budgeting method. It does not require Direct Import to function.

      Saying Direct Import is core functionality is like saying Apple Pay On the Web is core functionality needed by a website that takes payments. It's not. You just need a way to accept credit/debit cards. Apple Pay is functionally convenient for a number of reasons over manual entry, but the site will still take payments the old fashioned way by entering card number, expiration date and CVN.

      Like
    • Navy Blue Drum If you haven't already been in touch with support, we might be able to switch you to a different import partner that supports Capital One. If you'd like to give that a try, please fill out this form and our Direct Import team will help you get things back up and running!

      Like
  • WordTenor said:
    ...I would never choose a financial product based on whether or not it syncs with YNAB. That strikes me as backwards. 

    Meh. If you appreciate DI (direct import), why not find quality banking and credit cards that work with YNAB and make life easier? They're out there.

    I cancelled my Capital One Savor credit card as it wasn't worth the YNAB hassle. Sure, if the card provided more value to me, I might have kept it in spite of the YNAB issues. But I had gotten my bonus and it wasn't worth the yearly fee to me.

    Until Charles Schwab US quit working a week ago, all of my other accounts are working great with DI. As we know, we're both fans of Charles Schwab checking. I am confident that DI will be restored in time. This is one account I wouldn't drop due to issues with YNAB. Besides, most of my transactions go through credit cards. Those are the most important to me to have DI working and there are a lot of credit cards out there that offer similar rewards.

    All this to say, I’m willing to be flexible in this area in order to simplify my life.

    Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 6 mths ago
      • 1
      • Reported - view

      Superbone All other things being equal, sure, syncing *might* be a tiebreaker. But since it’s not a big deal to not sync, I’m not going to use “does it import in YNAB” as a first line criterion, which is what the user who is upset that YNAB won’t give them a list of banks which work well seems to want. 
      I’m going to choose financial products based on whether they are good for my use. If they DI reliably in YNAB, that’s also nice.

      In the case of Schwab, there is pretty much nothing that can pull my Schwab account out of my hands. If YNAB made me call them and send a video of me hopping on one foot once a day to have my Schwab account, I’d do it. But that’d be unnecessary since in reality I could just use jt manually!

      Like 1
  • nolesrule said:
    I have this argument a lot with various steakholders of the projects I work on.

    So... no Vegan projects then? 😜

    Like 3
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 6 mths ago
      • 3
      • Reported - view

      Let it be known that it was Superbone and not me who pointed this out. *I* was just gonna let it sit... 

      Like 3
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 6 mths ago
      • Reported - view

      Superbone That's what I get for multitasking.

      Like
  • With the recent migration to Plaid, direct import issues have been a popular topic, but we aren’t able to troubleshoot Bank Importing issues in the forum.

    When you have a moment, please fill out this form and our Direct Import team will help you get things back up and running!

    Replies in this thread have been turned off, but you can still chime in on the other Plaid threads that are open if you’d like to discuss things with your fellow YNABers!

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