Configuration: Win Home Deluxe 32 bit Quicken for Win - Premier 2009
I've been having great success with this software. However recently, as I performed my routein One Step Update, there was an error (CC-800) with one of my credit card accounts. I thought, hopefully it will correct itself in the next couple of days. Well, unfortunately it hasn't corrected itself. It's been this way for about 2 weeks +.
I read through the help files and came upon a procedure where you disable online capability for the offending acount - then re-establish it. I could disable - but the software would not let me reactivate. I contacted the bank (Capital One) - we confirmed that I was using the right ID and password and they washed their hands of me. I ran through the process again - no joy. In doing research I'm finding that Capital One is really Web Connect and not Direct Connect. Not sure exactly everything this means - but with logic it tells me that if they changed their web logic at all - it could trip Quicken's process to collect the data.
Since I had a current back-up - I restored that. I then started a chat session with Quicken. The short story is that we could get the download to work from their web page into Quicken - but still, One Step Update would not update the account (this process took better than an hour).
Can anyone help me with this? One Step Update is such a convenienc when it works - I don't want to loose it. In fact, all of my other accounts (about
"pfanelli" wrote in news:lJOdnSnsX-VcBRjUnZ2dnUVZ snipped-for-privacy@posted.grandecom:
I ma be wrong, but I think that there are problems with Web Connect (WC) through One Step Update OSU. What really happens if you do WC from their webpage instead of OSU?
Sorry, but sinceI'm from Holland, I always think of WC as water closet, or toilet. Sorry again ...
Yes, I'm able to connect through the bank's website and download a range of dates. I was just hoping that I could get OSU to work again with this website because it's so convenient. Thanks.
Here's my take; sorry, I don't think this will help you get your One Step Update working, just my attempt at a possible explanation for what you're experiencing.
Web Connect downloads were, for years, downloads that required the user to manually log on to the financial institution's web site to initiate the download (and maybe to manually move from account to account at the web site ... initiating a download from each account).
Quicken's recently added capability to download a Web Connect account using One Step Update, is called "Express Web Connect". Basically it uses a computer program to pretend to be a user logging on to the financial institution's web site, and take whatever action the user would have to take, to download to Quicken ... I think this is called "screen scraping" in the jargon.
In the old - less "secure" - days, logging on to the fi's web site was a fairly simple affair that rarely changed ... and if it had stayed simple and unchanging, I think most Express Web Connect downloads would work fairly seemlessly.
But fi's are becoming more security conscious and implementing more complex log on processes, and double checking to see if the pc that's logging on is the pc that's permitted to logon. The more complex log on processes are known as Multi Factor Authentication (MFA) and they're pretty much designed to stop the very sort of thing that Express Web Connect is trying to do: allow a computer program to pretend to be a user logging on.
I think there can be two types of problems with Express Web Connect and the increased security.
One problem can occur, as you note, when the financial institution changes their logon procedure ... then the screen scraper has to change what it does. I think that requires communication between the fi and whoever is operating the screen scraper - Intuit in this case. If that communication doesn't occur, or takes a long time to occur, users may not be able to use Express Web Connect at the account for some time. I'm guessing that fi's can easily forget to tell Intuit when these type of changes occur.
A second problem is worse: there are forms of MFA which a computer program can't overcome. The one I'm thinking of is where the web site pops up a randomly selected sort of "picture" of some numbers and/or letters and asks the user to key in what they see. A computer program can't "read" that display, and since its content is different for every log on attempt, its content can't be built into the screen scraper. It should prevent any screen scraper from successfully logging on. [I think PayPal offers one of those security measures as an option.]
There may be less onerous forms of the second problem: like the "security" questions you get asked if you log on from an unrecognized pc. I think these can also cause problems for Express Web Connect ... and I'm not sure how EWC avoids getting asked those questions, as I think the normal way for the fi to tell that it's "your" pc is by placing a cookie on your pc ... don't know how EWC deals with that.
Anyway: if your problem is some sort of miscommunication between your fi and Intuit about how to log on (which I suspect is the most common cause of EWC difficulties), you may be able to log on once they have exchanged the required information: I can't tell you how to find out if that is the problem, or, if it is, what's being done about it ... though I'd probably start with the financial institution.
On the other hand, there probably can be other reasons why you are having your problem. I do seem to recall Capital One's name appearing in some posts in the Quicken forums as having problems downloading; but I don't remember what the problems were nor do I recall if there were any "solutions" posted for the problems.
Thank you for this reply. This is very helpful information. Although I still have the problem - at least I understand the funcationality, or intended functionality better.
I may step over to the Quicken forum and have a look.
I'm now wondering if there are any Quicken Win 2009 folks that visit here who are having download problems with Capital One Visa credit card accounts?
I have not had recent problems with Capital One - but I had in the past. However I just recently received a letter where they closed my credit card due to inactivity. It was okay for me as I didn't care for their statement presentation and they always had the highest interest rate which are reasons why I never used the card.
LOL, aren't they the No Hassle card?
Oilcan
-----Original Message----- From: pfanelli [mailto: snipped-for-privacy@hotmail.com] Posted At: Monday, February 02, 2009 2:01 PM Posted To: alt.comp.software.financial.quicken Conversation: One Step Update and Account Update Issue Subject: Re: One Step Update and Account Update Issue
Hi John,
Thank you for this reply. This is very helpful information. Although I
still have the problem - at least I understand the funcationality, or intended functionality better.
I may step over to the Quicken forum and have a look.
I'm now wondering if there are any Quicken Win 2009 folks that visit here who are having download problems with Capital One Visa credit card accounts?
Quick question: your response says that the message text indicated that Intuit was aware of the failure and working on the issue. Where do you see that message?
"Oilcan" wrote in news:90408A974FCF46D39254644FC77D4688 @AnthonyPC:
Funny. I thought I had canned all my Sears cards. Apparently one still lives, although I was not aware of it.
Spouse received a call from Sears Washer and Dryer Extortion Department a few days ago. The machines are just over 5 years old and did we want an extension to our service contract? Spouse said yes, and was asked whether to charge it to our Sears charge? OK she said. Now I had to call and find out whether they will send the statement to the right address, and ask for a replacement physical card ...
I saw it in the OSU Summary which I have marked to show only when there's an error. As we speak this AM's OSU completed and the Summary didn't appear automatically (no errors). I popped it up (Summary icon) and Captial One is listed as successful - my payment didn't get there yet - I'll know more tomorrow or next day. Geo.
Thanks for the information and I'm glad you're seeing progress.
I just checked my OSU and I'm still receiving the error. :) My hope based on your comments, is that the fix for all accounts is taking a while - and my account will be fixed at some point.
I really like the convenience of OSU to bring all financial info into Quicken - it drives the question: do I continue to do web updates with this card, or do I get a credit card which is supported by direct connect.
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