Can't connect to Capital One 360.

About a week ago it started making me fix my Capital One 360 accounts everyday. Then this week it wouldn't fix itself and I wasn't getting transactions. I deleted the connection yesterday, but now it won't let me recreate it. It just says we have trouble connecting to the bank every time. What is the next step in trouble shooting.

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  • Having same issue - keeps prompting me for customer number and access code, and then doesn't accept them. 

    Reply Like 2
  • Hi Brew and shalafarky !

    Sorry for the trouble! We noticed an increase in connection issues with Capital One, so we've asked our Direct Import partner to take a look at what's going on. It may take them some time to get things ironed out, but they're on the case! You can keep an eye out for updates on our status page.

    In the meantime, File Based Importing is a great way to keep your accounts up to date until this is resolved! :)

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  • I also can not connect to cap one 360. I've tried different PCs, different browsers, clearing the cache, etc.  I enter my Cap One login and the access code. 

    This was working flawlessly until a couple of days ago when YNAB prompted me to re-login to Cap  One 360. I haven't been able to get it to work since.

    My regular Cap One import stopped working LONG ago and I've never been able to get it to work. Very frustrating. I rely heavily on this feature!

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  • +1

    I'm having the same issue described by OP.

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  • +1 - Same issue as OP - Can't establish new connection after removing old connection.  Removed old connection as part of procedure to resolve connection issues.  File based importing worked fairly well, but there were some duplicates.  I would suggest importing a small date range, then using YNAB transaction date filtering, then sort by dollar amount.  It was relatively painless to find the duplicates this way.

    Reply Like 2
    • I just tried again, with no luck using capital one 360.  Should I be using CapitalOne?  Is this an effort by CapitalOne to consolidate the two entry points into a singly entry point?  I wonder...

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    • Powder Blue Device Capitol one and capital one 360 have been merging more and more since Capitol one acquired ING several years ago and turned it into 360. My take on this situation is exactly what you say.

      You should try the Capitol one login. That's what worked for me. Use your actual login password and not the access code.

      Mine works great now!

      Hopefully you will have similar success

      Reply Like
    • Cadet Blue Drill Thank you for response to my post.  I tried as you suggested, and I connected flawlessly.  I did it right after I imported the file from CapitalOne, so I don't know how completely it worked because there were no new transactions.  I'll keep an eye on it, but as it stands right now, I believe your suggestion worked!

      Thank you!

      Reply Like 1
    • Hi Powder Blue Device !

      Cadet Blue Drill is exactly right. Capital One has been merging the other branches of Capital One under the same umbrella. Since you were able to connect to the Capital One option, you should see your transactions begin to import over the next few days.

      Our Direct Import partner is still working on ironing out any hiccups, but it's good to hear you were able to get connected! :)

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    • Faness I'm connected, but haven't yet pulled in any transactions.  Will keep an eye on it!

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    • Powder Blue Device And now ... I have transactions, I think we're good!  I should have waited 7 seconds before replying to your response!

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    • Funny - I got an e-mail for accidentally mentioning myself.  It's going to be a wonderful day!

      Reply Like 1
    • Powder Blue Device Haha, better 7 seconds later than not at all! Here's to a wonderful day indeed! :)

      Reply Like
  • Same issue here.  troubleshooting has not helped.  

    Reply Like 1
  • Same issue here, has said delayed for about a week now.

    Reply Like 1
  • Sorry to be redundant, but just so we all know we are not alone - I am also having issues connecting to Cap One for several days. 

    Reply Like 1
    • MyraJ I don't think they're anything wrong with more people chiming in.  It may help YNAB in determining priority of which issues to address first, and provide more clues to help the direct import provider.  I'm glad you shared.

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  • I think there is a problem with Capital One's website. After I log in, I access my accounts okay, but when I try to go to my Privacy settings, I get the log in page. Every time. I cannot get to the privacy settings to verify that I am using the correct 12-digit access code. So I'm thinking it's not us, it's not YNAB, it's Capital One.

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    • MyraJ I had this problem with being promoted for login until I cleared my browser cache.

      The original problem persists but at least I was able to access the privacy tab.

      Reply Like 1
    • Cadet Blue Drill I think that CapitalOne has been changing things with their security.  Since the issue began, in the privacy tab the authorization code was it's own item on the left column, now it's in the middle column of choices.  

      Reply Like 1
  • Hello all!

    Sorry for the delay here and for the trouble with Capital One! Our Direct Import partner let us know that Capital One made some changes on their end recently - which has caused trouble with both Capital One and Capital One 360. They're working on rebuilding the integration so that it's compatible again. This may take some time, but they're working on it! We've updated our status page to list both Capital One and Capital One 360 and we'll keep that updated with any new developments! :)

    Reply Like 2
      • MyraJ
      • Doyoureallyneedthat
      • 2 wk ago
      • 1
      • Reported - view

      Faness Thanks for the update.

      Reply Like 1
    • Faness Thank you kindly for the update.  We are looking forward to a functional direct import, especially since that was one condition that we signed up with YNAB.  

      Reply Like 1
    • Faness when you say it may take some time, what are we talking?  Days? Weeks?

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    • Hi Silver Leopard !

      We usually estimate for a few weeks. Our Direct Import partner is able to solve most issues within that time frame, but it can take longer depending on the complexity. You can check the status page or feel free to tag me here at any time and I'd be more than happy to check for updates! :)

      Reply Like
  • +1 I'm having the same problems. 

    Reply Like 1
  • Same here. Just signed up for the free trial and can't really figure out how to get started without the account on there.

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    • Tomato Grizzly I'm trying to get started too, and I'm not able to either.

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  • Same here :(

    Reply Like 1
  • To those just getting started with YNAB, I hope you’ll still set up the account! That way you can add your balances and start working on your budget. You can do this by selecting Add Account and setting it up as an Unlinked account from the start. Then once our Direct Import partner gets the issue resolved you'll be able to link 'em up.

    You can also use Scheduled Transactions for recurring expenses (rent and utility bills) and the mobile app for recording spending on-the-go (gas and groceries). Once direc import is back up and running, you'll be able to link the account and imported transactions will match right up with the ones you entered. :)

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  • this is still an issue.  The suggested File Based Importing is still kind of a pain because the CapitalOne 360 QFX and OFX files don't include payee info so that has to be connected manually as well.

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    • RedHen I sent you a quick email with possible next steps! :)

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  • I hope YNAB and Cap One 360 can get this sorted soon. I have two friends I just set up on YNAB, both Cap one 360 users, and they are pretty put off by this problem. Not to mention I can't get my own budget up to date at the moment (file import is not a great solution for me, for a variety of reasons). 

    Reply Like 1
    • Hi Salmon Horse !

      Sorry for the trouble! Our Direct Import partner is currently working on a solution!

      Reply Like
  • Same issue here. this makes YNAB basically useless for me, as I have a lot of transactions in Capital One.  

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    • Hi Lenny L !

      At the moment, it looks like it’s waiting for you to answer your security questions again.

      When you have a moment, click the “Import(!)" button at the top of your account register, and answer your authentication questions (if there are any to answer) from there.

      If it still won’t connect, can you let me know if anything is amiss with the authentication questions (i.e. a one-time passcode you don’t ever receive, or a question you don’t recognize)? Then I can let our Direct Import partner know!

      Reply Like
      • Lenny L
      • Cyan_Colt.2
      • 9 days ago
      • Reported - view

      Faness  There are no questions. It tries to send me an authentication text, but I get this error: 

      • The answers to your authentication questions were not recognized or the connection timed out. Please try again.
      Reply Like
    • Lenny L Another user ran into this issue and they were able to get around that error by requesting the code be sent to another telephone number. If you have an alternate telephone number available, give that a try. If not, let's try completely resetting that connection.

      To start, you’ll remove the connection to this financial institution:

      1. Select your budget name in the top left-hand corner and choose Manage Connections from the drop-down menu.
      2. Then Remove the connection(s) to this financial institution, confirm removal and close the window.

      Then you’ll reconnect your account(s) to a fresh connection:

      3. Hover over the existing account(in the left sidebar) and click on the edit icon. 
      4. Select Link Account > Add New Connection. Search for the financial institution, and follow the prompts.

      Let me know if that doesn't do the trick!
       

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    • Lenny L , It is definitely an inconvenience, but I think useless may be a stretch.  The majority of YNAB is the actual budgeting which is by far the best that I have used and is still quite useful to my wife and I despite this issue.  I've been through spreadsheets, windows / quicken software.  I've even written my own budgeting software and this is by far the best I have used.  I also use CapitalOne, and have switched to File based importing.  It takes me about 2 minutes, as opposed to simply clicking on the import option which is way faster.  But there is another advantage to doing it this way.  You know that after you import, your transactions are 100% up to date according to the bank, not up to date according to whenever the direct import provider last pulled your transactions.  I don't know, I may stick with File based importing for this reason alone.  I've never liked it when I've had a large expense in CapitalOne that wasn't in YNAB after importing the transactions.

      Hopefully this may help you 'reconcile' your views on this temporary inconvenience.  Best of luck!

      Reply Like 3
  • I am having the same problem for a long time now. I've tried logging into the website directly and I don't have any issues there.

    Reply Like 1
    • Hi Brett Stewart !

      I'm seeing a credentials error on your account. Would you mind checking the following for me?

      — Check to make sure the URL you use to log into your online banking account matches the URL you see in YNAB.
      — Double check to make sure you're entering the correct credentials. If you’re using a password manager, try entering your login credentials in manually.
      — If your password is longer than 32 characters, try shortening it.
      — Log into your financial institution's online banking account, then immediately try reconnecting the account in YNAB.
      — Make sure your password doesn't contain any of these characters: 

      - Pipe: |
      - Tilde: ~
      - Less Than: <
      - More Than: >
      - Ampersand: &

      If those aren't the culprit, let me know and we'll go from there! :)
       

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  • Do you have an updated time frame to get this problem resolved?

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    • Hi Sea Green Sun !

      We're seeing a slow increase in repaired connections, but our Direct Import partner is still working on an overall fix. We can't say for certain how much longer this will take, but they're working on it!

      Reply Like 1
  • This has been broken since 11/16 for me. In addition, I can't download transactions from CaptialOne360, so I have to manually enter all the transactions. I'm on the phone now with CO, and their support staff apparently is completely uninformed about the issue.

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    • Hi JS Hamilton !

      As our Direct Import partner works on this issue, they try to rebuild things on their end first. If that fails, they'll reach out to Capital One, but that contact is between our Direct Import partner and Capital One's developers - I'm not sure of Capital One's policy on communicating those workings to other employees.

      Reply Like
      • JS Hamilton
      • Tomato_Network.3
      • 7 days ago
      • 1
      • Reported - view

      Faness Oh...it's a vendor issue. I know that Mint is importing just fine, as is Personal Capital, so it's likely your Direct Import partner. This is, quite seriously, a make-or-break issue for me. Having to update 5 accounts manually every couple of days is not what I signed up for.

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    • JS Hamilton We completely understand. Our Direct Import partner is working on resolving this issue, but we don't have a time frame for exactly how long this fix will take. We're keeping a close eye on things and we're hoping for an update soon! 

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  • I unlinked my Cap one account and linked it back using the web based version of YNAB.  As of now transactions have imported and connection is good.  

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    • Djalex0814 can you unlink your account without losing all previous transactions?

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    • Hi Cadet Blue Drill !

      Yes, unlinking or removing an account does not affect your account history. Deleting the account (which we do Not recommend), is what affects the history.

      Here's how to  remove the connection

      That might get things back up and running for you! :)

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    • Faness see my response to the thread below.  Removing and re-adding the connection worked -- though clearly Cap One procedures have changed in recent weeks.

      Reply Like 1
    • Cadet Blue Drill Happy to hear you're back up and running! :)

      Our Direct Import partner has made several changes in an attempt to get this issue resolved. They haven't given us the all clear yet, so we still expect some accounts to be affected, but it's great to see they're making progress!

      Reply Like
      • Djalex0814
      • Green_Pegasus.2
      • 5 days ago
      • Reported - view

      Cadet Blue Drill Yes I did not lose any transactions.  

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  • I'm still down. I unlinked, and have never been able to get relinked.

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    • Brew Try using linking to "Capital One" instead of "Capital One 360". Use your 360 username and password. It worked for me!

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      • Brew
      • Brew
      • 6 days ago
      • Reported - view

      Slate Blue Orca  That worked!. My old capital one connection for my credit card didn't show the accounts, so I created a new connection, and all of my accounts showed up. Including the credit card. So I unlinked that one and connected it to the new connection.

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  • I unlinked and removed account. Tried to add account back and immediate failure. This is a very big problem for me. I don't have time to manually add transactions.

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    • Slate Blue Orca Brew

      Sorry you're still having trouble! Our Direct Import partner is still working on ironing out this issue. They're making progress, but we're still seeing a high number of affected accounts. It may take a bit longer but we'll get there!

      Reply Like
  • SUCCESS!  Here is what I did. I have a regular Cap One account. It is separate from Cap One 360.  I tried first connecting to Cap One. It listed several available accounts and the 360 account was one of them!  This is a new development. I used to have to connect using 2 separate connections, one for Cap One and one for 350.  The Cap One regular account link broke MONTHS ago.  The 360 one broke weeks ago.

    I am finally connected to BOTH my Cap One and Cap One 360 accounts. 

    An interesting point -- the Cap One link uses the regular password and not the Access Code. The connection I made successfully tonight used my regular account password.  No special access code needed.

    Good luck people. Don't lose hope.  You newbies -- YNAB is worth it even without the link.  It is WAY better than any other financial management software you will find (Mint, Quicken, etc).  But with the link...yahoo!  I don't know how people survive without YNAB.

    Reply Like 3
    • Cadet Blue Drill It worked! I did not know that I had a "regular" Capital One account, but I used that link instead of Capital One 360 with my 360 login info, and it connected! I can see all of my accounts. The only drawback is that it doesn't have the account names, but I can look up which links to which. Thank you!

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    • Slate Blue Orca I noticed also that the accounts had no nicknames, but I was able to figure  out which was which based on the balances.  Capital One and ING (now Cap One 360) merged several years ago and this seems like one more step along the road to being fully merged online.

      Reply Like
      • shalafarky
      • Gray_Inspector
      • yesterday
      • 1
      • Reported - view

      Cadet Blue Drill Yes!!!! this worked!  unlinked account, and then set it back up via Capital ONe (Not 360)  Thanks!!!

      Reply Like 1
  • It's a bit ridiculous this is still going on. YNAB has been essentially useless for three weeks. The fact that Mint connects to all my accounts without issue, even at this point, indicates the issue is internal to YNAB. The fact that it's been about three weeks without a resolution indicates incompetence or general lack of care from the YNAB team. I can't image it would be a difficult process to adjust to a new API as it's been communicated the direct import has changed. At least not the level of difficulty that warrants three weeks. I begin to wonder what's going on internally at YNAB.

    Reply Like 1
    • Hi Purple Screwdiver !

      We use a third party provider for direct import and they're currently working on a solution - sorry for the trouble! When you have a moment, can you try connecting through the Capital One option instead of the Capital One 360 option? Some users are seeing a better connection rate there.

      Reply Like
    • Faness I was able to link accounts the way you recommended. However, it took multiple attempts. It asks for username but only worked for me when I used my email.

       

      However, now the issue is I have duplicate accounts. I have unlinked and removed the original linked 360 accounts. How can I remove those original accounts without losing data?

      Reply Like
    • Purple Screwdiver Sorry for the trouble! I should have included instructions for how to switch the connection without causing duplicate accounts (and I will at the bottom of this post for anyone else attempting to connect that way). 

      To get rid of the duplicate accounts, follow these steps:

      1. Go to the original account, select all of the transactions, and click on Edit.
      2. Select "Move to Account" and choose the new account with the active connection. 
      3. To delete the original account, click the Edit icon next to the account name in the left sidebar, and you’ll see the Delete Account button. Be sure to save any text in the Account Notes field if needed.

      To switch the connection without causing duplicates, follow these steps:

      1. Hover over the name of the account, click on the Edit icon and click "Unlink Account".
      2. Hover over the name of the account, click on the Edit icon and click "Link Account".
      3. On the account listings, select "Add New Connection"
      4. In this case, search for Capital One (not Capital One 360) - this will connect your existing account to the new connection.
      Reply Like 1
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