Capital One Re-authentication

Been having to reconnect often, and recently received a message from ynab regarding how this is part of the new security measures put in place by Capital One that they are forced to do a two factor re-authentication every day.

Is this just the new normal?  Is there hope that this will be smoothed over at some point in the future?  I find it annoying to see the error triangle every time I log in.

Furthermore, reconnecting and the two factor steps required seems to take a long time.  Since I have to do this ever day or two now it's getting pretty annoying to wait for up to 5 minutes for this to happen.  Sometimes it fails and I must do it again.

As credit card companies continue to increase security I expect this sort of issue will occur more frequently.  I hope that there is a plan to find a way to make this seamless again.

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  • Hi all! We're closing out Bank Importing threads in the forum to make sure these issues are better resolved.

    Certain financial institutions, like Capital One, require you to re-authorize your account frequently due to how our integration works with their site security. We have spent quite a bit of time investigating the issue with our import partner, and I'm afraid there's nothing they can do to get around the frequent re-authorizations. We'll continue to check in periodically, to see if anything can be done there!

    Replies in this thread have been turned off, but if you’re having trouble with your bank, please fill out this form and our Direct Import team will help you get things back up and running!

    Like
  • Same issue here. This can't be the new norm or I'm going back to Mint. I don't like it overall as much as YNAB but it doesn't have this issue. 

    Like 3
    • Ivory Colt I'm sorry I don't have better news for you there! Your connection is looking good, and once you re-authorize you should be able to import new transactions.

      They (and I!) definitely recognize this is something they need to work on improving. Having a direct connection to all institutions is the ultimate goal for more stable connections, but it's not currently an option for Capital One.

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

      Ivory Colt Seriously if this is the deal breaker between ynab and mint, go back to mint now and save yourself the frustration. 

      Like 1
    • Herman Oh look, the designated YNAB fluffer is aggressively attacking people for pointing out the glaring flaws with the product that seem to grow by the day.

      Like 3
    • Herman If you are miffed about with customers wanting their paid service to function as it should, you don’t need to participate in this discussion. People who pay for a service have every right to ask the company to fix broken features. Deal with it. 

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

      Slate Gray Drill I'm suggesting that people that are not happy with the product use the most effective tool at their disposal to influence the company to improve.  $$$$ talks

      Like
  • I agree. This is really infuriating, especially as someone who banks primarily with Capital One. The error triangle is annoying. I complained via email and was told that I don't need to reconnect every day - just when I want my transactions to import. Well let's see... that would be every single day. I have been doing the reauthorization daily for probably 2 weeks now and it's really infuriating. One of the best features of YNAB is the ability to import transactions. I've been using YNAB for years and rarely manually enter my transactions anymore, so I rely on direct import. Entering transactions through the file import thing is labor intensive and defeats the purpose.

    I have not had any issues with Capital One connecting to any of my other apps, so I think this is an issue on YNAB's side.

     

    YNAB, PLEASE FIX THIS PROBLEM. Your Capital One users are not happy.

    Like 3
    • Hi Slate Gray Drill ! I know it's frustrating, and am sorry I don't have better news for you. I have an account with another bank that does the same!

      Whether or not you'll need to re-authenticate depends on the institution and type of connection they have with each particular institution.

      It is possible that you'll see those re-authorizations slow down over time, as the connection is recognized. Currently, there isn't anything we can do to get around these, but we will continue to explore other options.

      Like
      • Ivory Colt
      • Ivory_Colt.5
      • 6 mths ago
      • Reported - view

      Slate Gray Drill couldn't have described my situation better. Completely agree! 

      Like
    • Slate Gray Drill Despite what YNAB is telling us, this isn't something that has to be done with Capital One anywhere else that I'm aware of. I use several finance apps/sites and ONLY YNAB is having this issue. Jesse needs to spend less time on the podcast/book/being a minor celebrity and more time on hiring better people.

      Like 2
  • Hi Spring Green Stallion & Ivory Colt !

    Our Direct Import partner let us know that for certain security protocols, repeated re-authorizations may be required. We've dug in many times, to see if anything can be done—and for now there's nothing we can do to get around it. We'll continue to check if improvements can be made!

    As more and more financial institutions are increasing their security (like the recent changes after the Capital One breach), it's becoming more common. They want to make sure it's really you! It is possible that those may subside over time, as the connection is "recognized" by your financial institution, but it is something we're unable to predict.

    I know it can be frustrating though, and I'm sorry about that. The good news is, while it's not so hot for the import experience, it's great in terms of security! You don't need to re-authorize the connection each time it asks, just when you're ready to import new transactions.

    If you're unable to connect, after re-authorizing that isn't expected—and we are happy to look closer!

    Like
  • Have had similar problems and over the last 3-4 days have tried to authenticate and remove and reconnect etc. etc. 20-25 times with Capital One and it hasn't worked.

    Like 2
    • Hi Navy Blue Pegasus ! It looks like your connection is successful, but we will dig into those missing transactions you mentioned. I sent a reply to your email. Let me know if you have any questions!

      Like
  • I hate to hop on here, but I feel I should. The issues with Capital One have been frequent throughout the last 8 months, but in last few weeks have hit a true fever pitch. I understand that you guys aren't going to be able to give me the news I want to hear today, but you need to know that this isn't really workable. 

    Frankly, your "Direct Import Partner," as it pertains to Capital One, is terrible. That relationship is your choice, and it reflects poorly on you. That is what you need to fix.

    I have been keeping a separate spreadsheet style budget since June, just to verify that the accounting in YNAB is correct. It's not just the connection triangle that is annoying; accounts drop out of syncing with the bank. YNAB says "last updated 5 minutes ago," but none of the transactions are there. I signed up for two other personal finance services - not to actually use them, but to verify the problem wasn't with Capital One. Every time, the transactions have successfully imported to tiller and personal capital. Once I was done troubleshooting, I would import the transactions manually - not the end of the world, but not convenient. Then, three weeks later, it suddenly starts working again. Now I have some (but not all/totally inconsistent) duplicate transactions to manage. 

    This is not a very effective way to manage a sometimes complicated budget. It's already hard enough to convince my spouse that paying for and using YNAB is a better budgeting option than using excel, and lately she has been right. If you had your direct import problems worked out, that wouldn't be the case. 

    Please pick a different, "Partner." They are potentially losing customers for you, and that isn't great.

    Like 2
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 6 mths ago
      • Reported - view

      homestead5 You don't have the Capital One issue with Personal Capital?  I do. I always have to do the texted number re-authentication with every sign in.  It also broke completely with Banktivity for Mac for some reason, but that's probably an even more complicated issue.

      Like
    • Hi homestead5 ! The Capital One connection has been a rollercoaster, for sure! We currently work with three different import partners and it's been rocky across the board, due to the changes Capital One made after their recent security breach. At the moment, you will need to re-authorize your connection to import new transactions.

      As institutions make site changes and security updates on their end, the requirement can change—sometimes it feels like it appears from nowhere, or may subside over time, but neither are something we’re able to predict. We spent quite a bit of time investigating the issue with each of our import partners, and I'm afraid there's nothing we can do to get around these. 

      They (and I!) definitely recognize this is something they need to work on improving and we won't give up. In fact, having a direct connection to all institutions is the ultimate goal! At this time, it's not an option with Capital One.

      Like
    • Annieland I'm not having the issue with Personal Capital either. It's entirely a YNAB/direct import partner issue.

      Like
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 6 mths ago
      • Reported - view

      Fake Names Are Stupid Wow ok.  Lucky then.  I’ve had it across all my very different apps for months.  Maybe Personal Capital uses various Direct Importers too.  Personal Capital also no longer connects with several of my Comenity bank CC’s.  

      Like
    • homestead5 Spot on. For a paid service, this shouldn’t be such an issue. It seems that people’s biggest complaints with YNAB are often with its direct import feature. They need to prioritize fixing that over things like color schemes, for example. The ADA-compliant color schemes won’t matter much if people are cancelling their subscriptions.

      Like 1
  • I am now running into an issue with re-authentication where I request the pin via text, but the text never comes. This is the first time that's happened for me. Anyone else running into this issue, too?

    Like
  • Okay, now I just got five text messages all at once. Not ideal, but at least I'm in—for now.

    Like
    • Forest Green Yearling Glad to hear that you're connected! If it asks for a code that never comes in, let us know and we'll dig in!

      Like
  • This just started with iOS 13 on an iPhone 8. In the YNAB app, when I try to resolve the connection issue it does not show the full repair screen and it is not scrollable so the only thing I can do is force close the app and re-open. Screenshot attached.

    Like 1
    • Hi Jewdave ! Thanks for checking in! You're run into a bug that popped up with the iOS 13 update and our developers are working on a fix now. Here are the details on that! You can re-authorize the connection in the web app in the meantime. 🙂

      Like
  • Sigh.  Just tried to import my transactions, via the web interface as I am also facing the IOS13 bug.  And it didn't work.  Got the "something wrong with tubes and stuff" cutesy error message followed by a forced refresh, another two factor pin entry and several more minutes.  Fails to connect about half the time even on the web version.

    Just rubbing salt in the wound.

    Like 1
    • Hi Spring Green Stallion !

      Sorry for the trouble! The "something wrong with tubes and stuff" error is unrelated to direct import - it's used when there's a connection error for YNAB itself, not a connection to your bank. I'm now seeing a successful connection to Capital One. Were you able to get your transactions to import? If not, please let me know! :)

      Like
  • Gotta say I love that this topic is getting some real attention. (Fake Names, your name is hilarious by the way.) The answer support is giving around "oh, just authenticate once a day, no big deal" is complete crap. It's not just that you have to two factor back in. It's whats involved in doing so. For me, I go to accounts only to discover that orange triangle of death is back. So I click on my capital one account, and because I have some recurring transactions, I'm auto scrolled from the "resolve errors to retry" message down to the last cleared transaction. So then I have to scroll back up to that evil error to click on it. From there, the reauthentication process can take several minutes to complete. It's a terrible customer experience and completely unacceptable. I've canceled my service until YNAB gets off their butts and fixes this. 

    Like 3
    • Hi Ivory Colt ! I know those frequent re-authorizations can be frustrating. I'm sorry to hear it is a long process for you to get reconnected. Is that in the mobile app, or the web app? I'd like to gather a little more detail there, and sent you an email.

      We have spent quite a bit of time investigating the issue with our import partner, and I'm afraid there's nothing they can do to get around the frequent re-authorizations.  You don't need to reconnect every time it asks, just when you want to import transactions (like once every morning).

      We’re hopeful this will improve as our import partner develops more direct connections, but right now (and for the foreseeable future) it is expected. I wish I had better news there!

      Like
    • Ivory Colt Won't happen. They're stunningly shortsighted and literally don't care about losing people until the number leaving is greater than the number joining.

      Like
  • Has this been fixed?

    Like
  • Nope- still have to do DAILY (sometimes twice daily) re authentication. Unbelievable.  GET. IT. TOGETHER. 

    Like
    • Slate Gray Drill I'm also a Capital One customer, and this is frustrating to me, too.

      But here's the situation. Capital One is saying to our import partner, "For security reasons, we're going to require a one-time code anytime you want to download transactions." Naturally, our import partner has asked, "Any way around that?" And Capital One said, "Nope."

      Given that, our only realistic options are:

      1. Provide a connection to Capital One, but with frequent reauthorizations, and press for the negotiations to continue.
      2. Not provide a connection to Capital One at all.

      We've done what we can to go with #1 (although, to be clear, some YNABers still aren't able to connect to Capital One at all, and we're working on that, also).

      We think YNAB is the best budgeting tool out there, regardless of whether you're able to link your bank accounts. And we're doing everything we can (including bringing on new import partners) to improve the reliability and simplicity of direct import.

      But the fact is, we can't prevent direct import incidents or always make the process as seamless as it should be. We try to be transparent about that by publishing incidents on our status page, along with the success rate for our top 20 institutions.

      This is a tough needle to thread. Direct import is a key feature in any modern financial tool, but there's really only one company that can do it with high reliability (you know the one I mean, and even they often stumble). But it's also a feature over which we have little control. We can't do it in-house; all we can do is work with the best third-party import partners, report issues right away when we hear from customers, and hope for an open banking initiative for North American banks.

      I hope that explains where we're coming from.

      Like
      • Herman
      • herman
      • 1 mth ago
      • Reported - view

      Slate Gray Drill why would you connect more than once a day? Capital One like pretty much every other US financial institution only posts transactions once a day. 

      Like
  • I am adding a data point to this conversation by sharing that the connection does not last for even a few hours. This information may be useful to some, and not to others. But instead of noting this data point and moving on, you are greatly tickled by how often I connect to my bank based on your infinite wisdom regarding the behavior of financial institution posting times. As a paying customer, I can refresh my transactions every 5 minutes if I damn please and expect my paid subscription service to work.

     

    The futility of your comments is astonishing. Please continue using emojis as a response when you don't have anything useful to say. It's more pleasant that way for the rest of us.

    Like
      • Herman
      • herman
      • 1 mth ago
      • Reported - view

      Slate Gray Drill Futility? You are paying for ynab, they have told you and others repeatedly that this is not going to be fixed unless capital one changes something and yet you b continue to pay and continue to come back to this topic and sham complain, but my comments are futile. I don't think that means what you think it means.😂😇😱😋😷😷😷😷😷😷😭👮👮👮👮👮👮

      Like
  • Matthew  Thanks for the follow up. I hope this stays front of mind. Is there any advocacy we can do toward Capital One on YNAB's behalf?

    Like
    • Slate Blue Horse You can let your bank's customer service know you'd like easier access to your transaction data in general, and/or the ability for third-party financial management programs (like YNAB) to have access to this read-only data—with your permission, of course!

      Our goal is to have more direct connections to financial institutions which can be more stable—but re-authorizations may not disappear completely. It varies a bit on the bank, and their security requirements.

      Like
  • I'm having a problem even adding my Capital One account to begin with. I am willing to re-authenticate however many times I need to...but YNAB won't even let me link it at all. 

    Any ideas? 

    Apologies if this has already been addressed (I did a quick scan and didn't see it.)

    Like
    • Mike V Sorry for the trouble. The issue there is that one of our import partners currently isn't able to support Capital One at all, and I would bet that's the one you're connected with. They're actively working on the issue, though, I promise!

      Like
    • Matthew  Is there an actual ETA on "working on the issue"?  I get that this is as much an issue at Capital One as it is with your "Import partner".  I like YNAB a lot, and it's saved me a lot of money over the last few years, but I need a platform that works.  I'm just trying to see if I can "hold on" or need to "move on".

      Like 1
    • Mike V Sea Green Piano 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. Our providers are working with them directly to re-establish the connection but there is no timeline for a resolution. We'll post updates on our status page as we know more!

      I’ve sent you both an email with the details. We've closed out Bank Importing threads in the forum to make sure these issues are better resolved. Replies in this thread have been turned off, and we'll continue there.

      For any other YNABers having trouble, please fill out this form and our Direct Import team will be happy to look closer!

      Like
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