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! :)

    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.

      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?

      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.

      Like
    • Faness Check the API's for Capital One and their requirements.  I know Intuit Mint had a similar issue and was fixed. Now on my capital one account in the security tab, I do see Intuit Mint as a "Linked App".

      Like 1
    • Magenta Camera We aren't likely to pop as a linked app there, but you never know! We do use a different Direct Import partner than Mint, so things will work a bit differently. They happen to have a monopoly on Intuit, who owns them. We'll continue to explore the possible options with our partners for improving the connection!

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

    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
  • 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!

    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! :)

      Like
    • Faness Bug has now been reported

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

      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. 

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

    Like
  • 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! 

    Like
    • 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.

      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.

    Like 1
    • 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. :)

      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!

    Like 2
    • Salmon Yeti That is a ridiculous answer from them

      Like 3
    • 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.

      Like
  • 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.

    Like 7
  • 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. 

    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. 

      Like
      • MacGsMom
      • Editor. Artist. Book fiend.
      • bookgirl1010
      • 2 mths ago
      • Reported - view

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

      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! 

      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.

    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.

    Like
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 2 mths 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.  

      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.

      Like 2
  • 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.  

    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.

      Like 2
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 2 mths 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.

      Like 2
  • I am continuing to have this issue, been almost a month.  If it is not addressed within the next 30 days I expect a refund.  We pay an annual subscription fee for continuous updates and somehow we can't seem to get around a reauthentication issue.  I am not a tech wizard; however, I do work with people who are on a daily basis.  This does not seem to be a priority for YNAB and as such I will be closing my account because this is unacceptable.  If I wanted to track my transactions manually I would use EveryDollar, if I wanted to import using a file I would stick with my old excel budget.  I miss the days when you could pay for a quality product and use that product for a period of time until you decided to upgrade.   My Quicken software is updating without a problem so there is definetly an issue with whoever your import partner is.

    Like 1
    • Hi Sea Green Falcon and Slate Gray Foal !

      I apologize for the trouble you're having with Capital One! I understand having to reauthenticate that account can be frustrating - I have a Capital One account, as well. However, we aren't able to bypass the security requirements set in place by Capital One for these connections. They want to keep our accounts safe and YNAB has to abide by that. Unfortunately, that requirement is not likely to change in the near future.

      After reauthenticating the account, your transactions should import, as expected. I took a look and I see transactions imported earlier today. If there's ever a point you aren't able to import, please let us know and we'd be happy to take a closer look at things!

      If you decide that this inconvenience prevents you from fully using YNAB, you can delete your account. If you delete your YNAB account, you'll automatically receive a pro-rated refund for the unused portion of your annual subscription. 

       - Log in to the YNAB web app.

       - Go to your Account Settings by clicking your budget name in the top left corner.

       - Scroll to the bottom and select the option to delete your account. (This will permanently delete your budget data.)

      Once you complete those steps, your pro-rated refund will go right back to your card. It may take a few days to show on your statement.

      If you would prefer not to delete your YNAB account, let me know and we can end your subscription and process your refund in a way that keeps your account so you have the option to resubscribe in the future and gain access back to your budget data.

      If you have any questions here, please don't hesitate to ask!

      Like
  • I'm with Sea Green Falcon.  I paid for a product with certain features and they do not work.

    Like 1
  • You folks do understand that the requirement to reauthorize via a text message code every 24 hours is coming from CapitalOne and not YNAB, right? I suggest you voice your discontent with this requirement  (and reinforce the message by taking your dollars elsewhere) to the organization that imposed it on you.

    Like
    • Powder Blue Cobra  You do realize that it's not working, right? I just got my code from Capital One to authorize, but I can't since my YNAB budget says the connection is delayed. That's unacceptable. On top of that, I don't have to continuously reauthorize with Personal Capital, so it is a YNAB issue more than anything.

      Like
    • @Fake Names Are Stupid synced with CapitalOne 30 seconds ago - working for me: http://prntscr.com/pdymn4

      Like 1
    • Fake Names Are Stupid We still expect transactions to import from Capital One after reauthenticating the account, but I see you've hit a temporary error. It should clear itself out next time you try importing.

      Like
    • Fake Names Are Stupid I had this same problem a couple of weeks ago.  I kept getting  a "connection delayed" message for six full days.  Finally I manually removed and re-added the connection and then it worked fine.  

      Like 1
  • Powder Blue Cobra... Unfortunately, this IS an issue with YNAB and its data provider.  My Chase account has the same protocol with a text to verify and it updates without fail.  So there is a way to get the Capital One accounts to work the same way.  There are various ways that banks and credit unions protect your accounts as they should.  This issue isn't with the account information, it is with the data aggregator in which YNAB pulls the information from.  My Quicken accounts update without fail (THAT is crazy because Quicken had been a pain to deal with for the past few years.  I don't have a problem with there being an issue, I have a problem with how YNAB has NOT handled it properly.  They could simply have said that we are working with their provider on a way to get the capital one accounts to update without the need to constantly need verification.  Instead, they basically said we can't do anything.  

    Like 2
    • Hi Sea Green Falcon !

      Have you noticed this error with your Chase accounts? Currently, it's the changes made to Capital One that has brought about the need for frequent re-authentication - we don't have the same expectations for Chase. Our import partner doesn't have a direct connection to Capital One, so at this point in time, frequent reauthentication is expected. This may change in the future, but we can't say for sure.

      Like
    • Faness I'm having to reauthorize my USAA accounts every day as well.  This isn't an issue with Capital One, it's a YNAB issue.

      Like
    • Hi Gray Transistor !

      There are certain financial institutions where frequent reauthentication is required. Unfortunately, frequent reauthentication is also required for USAA. This wasn't the case with Capital One in the past, but their new security requirements caused a change. If you're seeing this with any other account, I'd be more than happy to check to see if that's expected behavior.

      Like
    • Faness No issue with Chase accounts and I do not have to reauthenticate with my Quicken or Clarity money software systems.  This is an issue with your data provider and their poor execution in keeping up with the industry security protocols.

      Like
    • Faness The USAA reauthorizations only started in the last week or two, weeks later than the Capital One issues.

      Like
    • Gray Transistor We've heard that USAA has been slowly rolling out their changes, and requiring two-factor authentication methods, so it's possible those were made to your account more recently. The security requirements for the newer USAA connection require more frequent reauthorizations.

      Once you do, you should be able to connect and import transactions. If that isn't the case, please let us know!

      Like
  • Just got my code from Capital One to authorize so I can download the ridiculous number of imports that are backed up, but I can't do it since YNAB says the connection is delayed. If it's delayed, how did I get the notification with the code?

    Fix this crap now, it's only happening to YNAB and it's just another way you guys are letting the product go to crap while charging slightly less than an Amazon Prime membership (and more than the standard Costco membership).

    Like
    • Hi Fake Names Are Stupid !

      Sorry you're still having trouble! 

      Our Direct Import partner tries to sync with each of your connections daily. But it's not uncommon for any financial institution to say, "Sorry, check back later—we're busy!". This is what triggers the Delayed error to show up on your end.

      Then our provider does exactly as the financial institution asks and automatically checks back later. When they do, everything syncs up ok and all is well. 

      Except this (here's where it gets a little hard to explain) — there's a bit of a lag-time between when they complete a successful sync and you see that `Delayed` status turn to `Good`. 

      It has to do with a time restriction put on YNAB that says we can't try to contact your financial institution again until 8 hours after our Direct Import partner completes a successful sync. It's a bit difficult to explain, but it basically prevents us from checking in with a bank too many times and triggering their security alerts or getting you locked out of your account.

      So even though you may be seeing `Delayed`, our Direct Import partner is either queued up to try again later or has already completed a successful sync and we just need to wait 8 hours until we can update the status. 

      That error should clear itself out so you can connect and import those transactions.

      Like
      • Momofboysx3
      • I'm going to master budgeting, even if it kills me!
      • Steel_Blue_Mainframe.11
      • 1 mth ago
      • Reported - view

      Faness How about not connecting every morning, but only connect when we log on? Honestly, I would feel better about knowing when you are logging into my bank.  I'm really hoping y'all can fix all of the direct import issues that seem to be happening (currently experiencing it right now) because now that I have finally figured out how to use the product, I hate to have to give it up due to this. I know I absolutely would not manually enter my transactions. I need it to be easy and not very time consuming. 

      Like
    • Momofboysx3 Currently, we do a daily check in the wee hours of the morning, and another check when you log in (if it's been more than 8 hours since the morning check). The error I mentioned above should clear itself out on its own. The issues listed on our status page take intervention. We're working with our import partner to clear those issues as quickly as possible and I'm hoping things are back up and running shortly.

      Like
  • I just spoke with a rep from Capital One.  The issue is that the Direct Import partner that YNAB uses does not comply with the new security standards that Capital One has put in place.  Capital One is working with the Direct Import providers to meet these standards; however, there is no timeline as to when the providers will adopt the new standards.  So this is an issue with YNAB and their Direct Import provider and not with Capital One.  Financial Institutions continue to improve their online security standards to meet regulatory compliance and to prevent major data breach issues such as the one that occurred with Capital One recently.  As a risk manager, I believe that Capital One has our best interests at heart and it is unfortunate that the app we all love is no longer supported without frequent reauthorizations.  The options are to keep reauthorizing, change banks or change budgeting apps.  Please just ensure that you keep your data safe.  I hope this helps everyone!  

    Like 5
  • Hi there. New fun problems this week!

    Now when I am going to import transactions this chain of events is happening:

    -YNAB asks to troubleshoot connection (same)

    -YNAB asks to send SMS code, I select my cell (same)

    -No SMS code comes, YNAB asks for login name & pw for CapOne (different from here on out)

    -Info is entered 

    -Info is no good, "check you can log in to your financial institution" - but wait I am currently logged into my financial institution so.....?

    -Insert some combination of closing browsers, logging out of YNAB, logging back in, clicking trouble shooting more times, requesting more SMS codes, more failed bank logins on the YNAB website and FINALLY I am no longer asked to enter login and a code comes thru and I am able to access my transactions

     

    This is not fine.

    Like
    • Hi Purple Admiral ! I’m happy to help figure out what's going on there!

      I'm seeing two Capital One connections. Do you use two sets of credentials to access different accounts? Are you seeing this behavior for both connections or just one? If it's the latter, can you let me know the name of the account as it's listed in YNAB? That will help us narrow things down.

      If it asks for a code (via email/text/call) that never comes, here are a few things to check:

      1. Log into your Capital One's website and make sure all of your contact information is filled in and up-to-date.
      2. Try removing and re-adding the connection (not the account!) in YNAB. This is our most effective troubleshooting step for all issues!
      3. Attempt to connect in YNAB again and make sure the contact information shown matches what's on your Capital One's website.
      4. Try each option (call, text, email) to see if you have better luck with one over the other. 

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

      If all that checks out and you still didn’t receive your code, can you let me know the date and time (and timezone) of your last attempt? Once I’ve got that information, we can take a deeper look!

      Like
    • Nicole We do have two different capital one accounts on two different budgets (one account, one budget). One is accessed regularly the other one has not been accessed at all recently as that card is at $0 and not even used. The joint account (the budget that is not titled a first name) is the one with the issue.

      I have been receiving SMS messages and a code for login just fine until two days ago. The past 2 days I have had to deal with it asking me to enter my username and all the mess that comes along with it.

      This morning I accessed it somewhere around 8:45 am EST. plus or minus 15 minutes.

      Like
    • Nicole Again this morning. Third time this week. 8:48 AM EST on "CapOne Venture" account. 

       

      Logged into my Capital One account on their website. 

      Logged into YNAB.

      Got asked for username & PW for CapOne on YNAB - entered it

      Didn't work - "Please make sure you can login to your financial institution" - fal;sdbgsd;jfn;fsd sdf;asjs BUT I ALREADY AM LOGGED IN AT THIS VERY MOMENT

      Closed all browser windows (chrome)

      Relaunched YNAB

      This time, successfully had a code sent to my phone and connected as I have been the past few weeks. No request for username. 

      Like
    • Purple Admiral I'm sorry for the frustration that caused! It sounds like there was a hiccup that closing the browser and re-launching fixed. I'm glad you were able to get reconnected this morning, but can you let us know if this issue happens again? I'm hoping that fixing it this morning means it was a temporary issue, but if you don't receive the code next time you try to connect we can have our import partner investigate.

      Like
    • Faness This has happened every day this week

      Like
    • Purple Admiral Before this morning, when was the last time you received the code to connect your account? I'm hoping you receive it tomorrow without trouble.

      Like
    • Faness It worked as normal with the code today. Took a little longer to connect but no weird extra steps.

      Like 1
    • Purple Admiral Glad to hear you were able to connect without those extra steps. Keep us posted! If you see it return, we'll have our import partner dig in. 

      Like
  • For those thinking this is just a ynab or their import partner issue, I just received this from personal capital:

    Thank you for being a trusted Personal Capital user. We are writing to let you know that Capital One recently made some security changes, and your linked account will no longer update in your Personal Capital dashboard without secondary authentication. We're sorry for the inconvenience and have reached out to Capital One to come up with a solution.

    We are working to resolve this issue. To have proper account linking, Capital One will need to make changes on their end that are, unfortunately, beyond our control. We always value feedback from our users because it helps us work to create the best experience possible, and we're sure Capital One would appreciate hearing your perspective as well.

    We'll pass along an update as soon as we have one. If there's anything we can answer before then, don't hesitate to contact us. Thanks for using Personal Capital.

    Warm Regards,
    Personal Capital Team

    Like 1
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 1 mth ago
      • 1
      • Reported - view

      Herman Well that makes me feel a little less bizarre and alone in that I've had to reauthenticate my Cap One accts in Personal Capital for months now.  With so many people here saying ONLY YNAB has the Cap One issue, and yet all 3 of my direct importing sites/apps have it too.

      Like 1
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