Capital One frequent reauthorization

I have never had problems with my Capital One imports (for a credit card) and now in the past week I have had to reauthorize it 3 times. 

Last Friday, yesterday, today

 

I'm hoping this isn't going to become a daily issue.

 

I have not recently added or changed any security features on my Capital One account. I have read the other forum generic responses "our direct import partner can't do anything about it" but... really... reallllllllyyyyyyy

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  • Hi everyone,

    Capital One recently made changes to their security questions, so it's now expected that you'll be asked to reauthorize your account frequently. We have spent quite a bit of time investigating re-authentication issues with our import partner, and I'm afraid there's nothing they can do to get around the frequent re-authorizations. It's possible the requests will subside over time, as security requirements change (as evidenced with this new requirement), but we can't say for certain when or if that will happen.

    I know it can be a frustrating experience though, and I'm sorry that's the case. While it's not so great for the import experience, it's great in terms of security. As mentioned in another comment, you don't need to re-authorize the connection every time it asks—just go through the prompt when you're ready to import new transactions.

    While you'll need to re-authenticate the account more frequently, you should still be able to connect. If you're having trouble getting the connection to go through, that is Not expected behavior and we'd be more than happy to take a closer look at things! :)

    Reply Like
    • Faness I've been doing the reauthorizations every day for several days, which is annoying, but at least I was able to download transactions.  Now I can't connect to Capital One at all!  For the past two days it has been telling me the connection is delayed.

      Reply Like
    • Gray Transistor Sorry for the late response here! Delayed errors should clear themselves out within 48 hours (72 hours if it happens to be a weekend). I took a look and I'm currently seeing a successful connection to Capital One. Are you still having trouble?

      Reply Like
    • Faness The last time I was able to connect to Capital One was on Wednesday.  For five days in a row (Thu-Mon) it kept telling me the connection was delayed.  I checked the status page it it said it was a known issue and it was being worked on, and also not to remove the connection, so I didn't.  Finally out of frustration on Monday I removed the connection and re-added it anyway and it enabled me to connect.  Of course here we are on Tuesday and it's telling me I have to re-authenticate again.

      Reply Like
  • I have had to reauthorize every day for the past 2 weeks. This is getting completely ridiculous. Someone from YNAB needs to get in contact with Capital One because this is unacceptable.

    Also, your app doesn't even support reauthorizing on iOS 13 yet. The page exceeds the viewport of the screen and it can't be resized or translated to actually select an option for the one-time code.

    I completely agree with Purple Admiral in that the generic responses given here are very concerning and covering up the fact that YNAB has an issue. Contact Capital One and get it fixed!

    Reply Like
    • Hi Aquamarine Mask !

      In order for direct import to work, it has to comply with the security requirements put in place by Capital One. Unfortunately, their new security protocols requires frequent reauthorization. This may change over time, but we can't say for certain.

      When you have a moment, would you mind submitting a Bug Report for the screen sizing issue you're seeing? I know reauthorizing is inconvenient enough, and we want to help where we can! :)

      Reply Like
    • Faness Bug has now been reported

      Reply Like
    • Aquamarine Mask Thank you for submitting that report! Our development team is hoping to have those screens updated soon! :)

      Reply Like
  • Same, for about a week now I've had to input the text message code daily.

    Of note: I am also running iOS 13. 

    Reply Like
  • I also have had an issue with my capital one account. I am kind of relieved that it's not just me.

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  • I have had this issue as well. If it continues I don't see how this could possibly be a tool I use on a regular basis. Of course it worked well during my free trial! 

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    • Hi Coral Sun !

      Sorry for the trouble! This is a recent security protocol change put in place by Capital One. We hope this changes over time, but we can't say for certain.

      Reply Like
  • YNAB Support - please don't respond and tell me to use manual entry. I don't see how that is a comparable solution to the direct import working as it has been for 2 years. I'm saying this because this is again, a generic answer I see given to users problems.

    Reply Like
    • Hi Purple Admiral !

      While we do suggest File-Based Importing, especially during connection issues, you should still be able to connect to Capital One after re-authorizing the connection. If you don't want to use manual entry, direct import will still work despite the extra steps. :)

      Reply Like
  • This exact issue is driving me crazy!! I'm still in my free trial, and I'm seriously considering not paying for the year because of this inconvenience. The response I got from YNAB went so far as to say that it's not that bad - I only have to re-establish the connection when I want to import transactions. Um, the whole point is to import transactions regularly so I have an accurate view of my budget and can make good decisions about it!

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    • Salmon Yeti That is a ridiculous answer from them

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    • Hi Salmon Yeti !

      Sorry for the confusion here! The new security requirement will ask you to reauthorize the account multiple times a day. If you authorize the account and import transactions at 8am, there's no need to repeat the steps at 9am (since there won't be any new transactions to import in that short time span). Hopefully, this will subside over time, but we can't say for certain.

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  • I fully appreciate how frustrating it is as I have Capital One accounts too, but this is happening on every service I use with them, both free and paid, local apps and cloud.  It's not a YNAB or their importer's thing.  Hopefully Capital One finds a way to mitigate security procedures with usability so we can better manage our accounts.

    Reply Like 4
  • The problem i'm having is, i'm getting codes via text from Capital One late at night (while i'm asleep). I assume that's when the requests are being initiated; i'm not trying to do anything then. by time I get up and see the code, and open YNAB, I get a message "answers not authenticated or timed out." I realize all this is likely due to the recent security breaches Cap One experienced. Is there anything we can do to prevent these auto-authentications? So it only requests a code when I need it to happen, not randomly late at night? It seems to be gumming up the works.  I don't mind manually entering transactions but I like being able to verify them. 

    Reply Like
    • Hi MacGsMom !

      Unfortunately, the only way to turn off those auto-requests is to unlink the account and then relink it once you're ready to reconnect. It's a similar process if you leave it connected, the request fails/times out and you then have to reauthenticate the account. Due to the recent changes with Capital One's security protocols, the account has to be authenticated each time you connect (which means the automatic late night attempts to pull transactions can't go through).

      Sorry for the inconvenience! You should still be able to reconnect each day to pull in new transactions, it's just a few extra steps for added security. 

      Reply Like
      • MacGsMom
      • Editor. Artist. Book fiend.
      • bookgirl1010
      • 10 days ago
      • Reported - view

      Faness so annoying that it's trying to reauthenticate but never able to connect. :( 

      Reply Like
    • MacGsMom Even with the frequent re-authentications, you should still be able to reconnect after re-entering your password. Is that not the case?

      When you have a moment, try reconnecting that account one more time. Here are the steps to do that:

      1. Select the name of your budget in the upper left corner in the web app. Or, if you’re using the mobile app, tap the gear icon at the top of the budget screen.
      2. Choose Manage Connections.
      3. Select the failed connection with  and try again.

      Also, note that we're unable to support bank connections that rely on third-party authentication apps (such as Authy and Google Authenticator).

      If you still can't connect, let me know and we'll go from there! 

      Reply Like
  • I try to keep up with YNAB transactions 1-2x a day, so that means asking for text code from CapOne each time. I am thankful they are not happening automatically at night - that sounds worse. But the way I see it, it adds 3-4 steps to my experience every time I use the app or desktop version of YNAB. So regardless of whose fault, that is the reality.

    Reply Like
  • My Capital One 360 Checking now has to have a pin number entered every time I try to sync transactions.  This is making YNAB far too painful to be useful.  If this issue isn't fixed before it's time to renew then I'm done trying to use ynab.

    Reply Like
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 9 days ago
      • Reported - view

      Slate Gray Foal So what's your alternative considering this is a policy of Capital One's and not any direct importer?  If this is a checking account causing you grief, you should probably be entering every transaction manually anyway.  

      Reply Like
    • Annieland   I may not have an alternative.  But I won't be using YNAB under these conditions, it's far too slow and cumbersome.  I'd be better off with a spreadsheet.

      Reply Like
  • I happily use direct import when available, but I gotta say, all these constant and widespread complaints about importing problems has really opened my eyes to how much people (erroneously, in my opinion) rely on it.  What were you all doing before?  Logging into every account you own 3 times a day to check your balance??  How was that working for ya?

    All those years of YNAB 4 and I never imported a single transaction and somehow I survived, no matter how broke I was.  Every so often I'd check against the accounts, or at statement time, to make sure everything lined up.  I've never not recorded a check written in a checking account register either.  Who wants to risk bouncing a check or payment?? 

    I want to say YNAB needs to make this concept more clear, but I know they really have tried.  For some reason people aren't getting it.  I don't want to only do manual entry, I like the backup, and would miss random transactions of my husband's.  Back in the day we used one of those receipt spikes where he'd have to put every receipt on it and I'd collect and enter them almost daily.  We were paycheck-to-paycheck.  I've released us of that procedure unless it's gonna be a big split transaction (Costco, etc.) since things aren't as tight anymore (thanks to YNAB).

    But seriously, people need to get past this obsession with importing.  It is not financially healthy and is totally not the point of YNAB.  

    Reply Like
    • Annieland 

      Maybe YNAB is the first time someone has budgeted in their life.

      Maybe some people didn't grow up in the age of checking account paper registers.

      Maybe some people have barely used checks in their life before they essentially became obsolete in today's world.

      Maybe some people have ONLY used YNAB with direct import, and they prefer that because they are used to it.

       

      Different is not wrong. While YNAB provides the framework, you can still go about it many different ways. I see loads of questions on here with methods and things I don't personally use YNAB for. No need to be condescending to people who choose to interpret and use the tools in a way that works for them.

      Reply Like
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 9 days ago
      • 2
      • Reported - view

      Purple Admiral I didn't mean to sound condescending, so I'm sorry if I did.  I truly meant my eyes have been opened to how important this is to people.  And really, I was just trying to open others' eyes to the bigger picture.  It hurts to see people completely hanging by a thread if import isn't working right now, because hey, technology is technology and stuff is gonna go wrong eventually.  And as I said, I definitely prefer direct import too and use it for every account that it works with.  But if it isn't working or I don't like the way it's working, I don't want to feel on the brink of financial ruin because of it.  And I don't want to see other users in that situation either.

      Reply Like 2
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