Routing Number (Account Details Screen) - Quicken Deluxe 2006

When a user posts over and over and over that "I've done everything right", they almost never have. When they refuse to describe what they've done .... it is almost ALWAYS their error. Your "Mystery Solved" post only confirms this.

Are you stating that YOUR accounts have been directly compromised 4 times. Not just potential compromises (like the PC with the VA info getting stolen), but actual evidence that your accounts have been hacked ... that funds have been misappropriated or the info used to create false accounts using your name & credit history.

As am I. As I stated previously, I'm an ex-IT Audit VP (for Wells Fargo Bank). The disclosure of JUST your R/T or your FI's name will not & cannot compromise any account that you have. I'll challenge anyone to demonstrate to the contrary.

I spent 10+ years investigating computer fraud. I've never seen nor heard of any compromise based solely on the R/T. Ask your FI what they think of disclosing their name or R/T. I've NEVER heard of one objecting.

You also never stated, until your "Mystery solved'" message, that you had deact/re-act the accounts ... yet another user error.

db

My posts seem to have been lost overnite in cyberspace. But, yep, that is what I figured. But don't be too quick to blame Quicken. I suspect your FI changes the number to a default number -- maybe for security, maybe because of the 'sub accounts'. The activation process makes the 'link' between Quicken and the FI. After that, the descriptive info is somewhat extraaneous.

Thanks for your thoughts/suggestions Lisa. Maybe they (the FI) does scramble things when the web-connect happens. I simply don't know. I still think the "correct" Routing Number should be able to be input on the Account Details Screen and remain there, but since the DL using web-connect from my FI won't let that happen, my ONLY choice is to leave it at the default 123456789 and move on down the road.

I'm going to try to contact the FI and ask them if they have a Quicken knowledgeable Guru who maybe can explain why this whole thing happens with "their interface to begin with. I'm not sure that will be answered. Time will tell.

Good point Lisa. If "it ain't broke...", most will not even look at this nor think about it. I look at these things often because from time to time I roll over CD's, open new ones, etc., etc., and that puts me right on the Account Detail Screen often. Other than that, when DL's are working, I never went and looked at that data on the Account Detail Screen - just as you said.

Gunner

Well Lisa, I don't know who or what to blame for this stuff happening. I know it was my fault for not realizing the Deactivate/Activate wiping out my RN's for each sub-account, but what like I've stated a few times in this thread already - what would have pointed me to that happening? - nothing, because the DL's would start working fine after the Deactivate/Activate process.

So, if QD 2006 program doesn't need RN's in the Account Detail Screen, why have them there?. If I look to the FI, I have to wonder why they allow a web-connect DL if the RN has been defaulted to 123456789 (which IS NOT THE correct RN)? You may be on to something in that it is a security thing from them - I simply don't know at this point. I do know it's just round and round as well as I now know what changed the RN's once I had entered them, I just haven't been able to figure out why the web-connect process from my FI throws a curve into that process once I enter their RN number. Somehow I suspect I'll never get the answer to that nor will Intuit or my FI raise their hand and say the situation is caused by them.

The only thing I do know, as I've stated in my "Mystery Solved..." , is I was causing the RN's changing situation because of the Deactivate/Activate process.

Anyway, Thanks for your input and comments. Have a good one... Gunner

I said I would inform the group (this thread) if I found out anything as to why the RN was changing. Well, I just did.

First off - Lisa, what you said below is 100% on the money! Your suspicions were correct! I just got off the phone (minutes ago) with my FI, and the explanation that was given to me is every FI that wants to has to get together with the Intuit/Quicken and have their RN's registered with them in order for the updates or web-connect to work. Years ago, the 3'rd party company that provided the interface between my FI and the Quicken servers went with a default number of... yep, you know what's coming... 123456789!

A few years ago my FI had revamped their web site and thus the way web-connect too worked. As the years are rolling by, more and more people are embracing the internet as a way to do their financial transactions and banking. My FI decided that they would leave the default number there as they had more customers using that than they had new customers wanting to put the correct RN in. The only thing I can say about that at this point is it would have been nice to have been told that. So, bottom line Lisa - good catch/good call!

Now, on another note - I also discussed during this same telcon with my FI the idea of providing a RN in a public forum , and guess what - they TOTALLY AGREE that it's not a good idea nor prudent to publish together (the key being together db!) a RN, ones FI, and their name. It's just a common sense opinion and apparently others (specifically my FI) feel the same. I wasn't looking for a validation of my opinion as it relates to publishing ones RN, but I feel better that my FI's thoughts are one and the same as mine.

Have a good one and THANKS for your help and responses... Best regards... Gunner

===================================================

I wanted to respond back to you immediately to what I perceive as a bit of sarcasm on your part, but I've been busy. I finally got the chance to get to this and after reading and re-reading this thread in general and your posts specifically, a few things needed further addressed, so here we go...

If you are going to make a comment based on what I posted, at least make a better attempt at getting it right! I said I put the number in RIGHT (after having checked with my FI to insure it was indeed correct long ago), and I confirmed that with my FI. So when you jack your jaws - "When a user posts over and over and over that "I've done everything right", they almost never have.", you can't even quote what I originally said correctly. I never stated I do everything right - I figure that's reserved for God and people who think they know-it-all (hmmmm, is that you holding up your hand???). The ONLY thing you've ever said that I'm in agreement with is my RN needed to be verified/validated to be sure it was correct - I say it yet again, I did that part correct. But, so you don't get confused and come to another your off-the-wall conclusions, I'll qualify that statement by specifically saying that's not a claim for "I've done everything right" - just the part where I entered that number.

It appears you need some sort of self-validation regarding your opinions when you turned a simple request for help into something that you seem to want to post responses "over and over" projecting your opinion that it's no big deal in revealing RN's. Well, here's what I say about that... If RN's are no big deal as you claim, why don't you publish your RN's on this newsgroup along with your REAL Name? In fact while you are at it, why don't you publish all your ABA/RN's of all the FI's that you do business with? If you don't - I've made my point. If you do (and I have no way of knowing you would be providing your real name and numbers), but I still think it's unwise to do that. Bottom line, all your rhetoric hasn't changed my thinking/opinion one little bit!

I don't have to state anything further, when I said compromised, that's what I meant. In case you don't know, one of the definitions of compromise (found @ dictionary.com) is... "to expose or make vulnerable to danger, suspicion, scandal, etc.; jeopardize:" Potential Compromises and Compromise are one in the same - we and everyone else EXPOSED in those "security breeches" and in the careless handling of sensitive info were ALL MADE VULNERABLE - if you can understood the definition of compromise you wouldn't ask - "Are you stating that YOUR accounts have been directly compromised..." For someone who flaunts their credentials which would indicate you have an education, you also seem to have difficulty trying to grasp what I had originally stated about compromise! With all your self-proclaimed experience, common sense isn't something that you listed - but guess what, you either have it or you don't and I know which one gets my vote regarding you.

Since I don't fancy myself a self-proclaimed expert like you seem to think you are, I'll state (IMHO), ANY piece of info, however small, is just a little piece of the key. Get enough pieces together and one can find their butt in the sling. If you have been in Security as you constantly flaunt in your responses, you'd also know that identity theft can occur immediately in situations like we've been through or worse, months or years later down the road when you least expect it. You should know something like that "can" happen. However, I seriously doubt you'll agree because in my opinion, you've shown you like to disagree, challenge, make cheap comments at people ("yet another user error") and look for theories (""For those who believe otherwise, please theorize on why this anomoly hasn't been previously observed/reported"). I asked for help, not debate or theory.

Neither have I said a compromise happened based solely on the publishing of an RN - that's yet another example of you spouting off and going nowhere! My stand is tying the 3 together (RN, FI, and last but not least an individual's name) simply helps a shady character get one step closer to breaking into accounts. Systems are breached everyday in this country, but I guess you'll want to argue that too.

Challenge all you want - It's America and you're entitled to do that as well as voicing your opinion. But, stating your opinion doesn't qualify you as the resident expert nor automatically make your statements solid gold or worthy of etching in stone. In fact, just the opposite has happened with me - anything you have to say is no longer worth reading nor a second glance..

Maybe you should go back and spend 10 more years investigating fraud... seems you have forgot how easily it happens and the BIG headache it creates and the HUGE mess that is left to clean-up after it does happen to people.

You are correct in that the RN/ABA number itself is indeed easy to find. Obviously, once the RN is verified it's then easily associated with the FI. My problem is having the RN, the FI and AN INDIVIDUAL put together in a public forum, NOT the RN and a FI put together. You make many assumptions and statements, and it don't matter to me what they think, I'm not disclosing it! For someone who comes on like you think your got everything figured out, you appear not able to grasp a rather simple concept - I don't want my name associated with my RN/ABA in a public newsgroup regardless of the degree of risk - real or imagined (I'd wager any person who is security conscience/aware wouldn't like their RN's, name, their FI, and their name connected in any public forum either). Exactly which part of that can't you understand? Since you've openly disagreed, what EXACTLY is wrong with me not wanting to disclose MY RN? One thing for sure, if you are wrong with your opinion and disclosure of all those things (FI, RN/ABA, and individual's name) provides some savvy criminal with a portal into one's finances, that translates into BIG trouble - if I'm wrong or flawed in my opinion of not disclosing those things together, it's just a wrong opinion with no harm, no foul committed. I believe I'll stick with my position.

Nothing I've just said makes my opinion fact, but it's fact enough for me and I'll stand by it and still feel the same way... regardless of your challenges, search for theories, and anything else you've talked about.

Gee, guess what??? - you never mentioned it (Deactivating/Activating an Account that is) either as the possible cause of the RN number changing in any of your responses. Apparently you hadn't thought about that either, so I guess I can say to you - that's "yet another user error". Instead of constructive thoughts and help you were too busy being hung-up on disseminating your ideas about me not wanting to make a public disclosure of my RN. I had to do Deactivate/Activate so the web-connect would work - how is that a user error? If it was an error to put my correct Routing Number in the Account Detail Screen then I guess there are a ton of Quicken users who you would say to... "yet another user error". Get a life! If I didn't state myself correctly, you are the only one that seems to have a problem with it. I never associated the deactivate/activate process with changing ANY of the details/numbers/info on the Account Detail Screen - so why would I have originally stated that or even thought about that? Try real hard to understand that simple explanation... maybe you'll be able to follow that thought... then again, maybe not!

I have not found anywhere in QD 2006 help, Intuit Forums or Newsgroups where Deactivate/Activate an account would change and/or default the RN once it was entered. Since you appear to me to fancy yourself a know-it-all, if it's stated/shown (not implied in your mind) somewhere - then SHOW ME WHERE. I'll gladly agree with you and stand corrected. Until you can show me that - when you begin a paragraph, maybe you can come up with something better than "You also never stated..."

You seem compelled to be off on some side-bar with this RN, when the issue was why was it changing. Why it changed (and it WASN'T using your term, "user error"), I've explained in my post to Lisa C. on my Sep 11 post back to her. She was right on the money with her opinion.

Maybe I could respect your opinions had you "weighed in" with helpful thoughts instead of trying to project over and over your RN rhetoric and then stating your job histories like this was a forum where people submit their resume! You seem to feel you must validate yourself when you say - "As I stated previously, I'm an ex-IT Audit VP (for Wells Fargo Bank)", "I spent 10+ years investigating computer fraud", and your signed one post "db {25+ years in check processing, and a former bank VP]". Well, Whoop D Do! I was looking for help, advice, and guidance from people who frequent this newsgroup that are much more knowledgeable in the use of Quicken than I'll ever be. I wasn't looking for resumes! You either know the answers to the questions I've raised and/or asked or you don't. Just because you list your job histories doesn't in and of itself make your opinions and comments gospel! With the credentials you seem compelled to flaunt (that would indicate you have a education), you really ought to be able to stick to the facts of the thread and not keep harping on what role ones FI Routing Numbers can or can't do as it relates to an individuals security risks.

To me, all your rhetoric is nothing but "smoke 'n' mirrors" because you sure didn't answer any questions. The only thing you offered was "I can, thru various means, validate R/T numbers ... thus eliminating that possible reason." I guess you believe the only one who is able to validate a ABA/RN is someone who is or has been in the banking industry - I had already done that from various sources (one of which was posted in this thread) long before I can looking for help. For whatever reason, when I didn't provide "my" RN and gave you my reason, that really seemed to "jerk your chain". Bottom line, I didn't provide it - now did I? Since the majority of your posts regarding my matter I now consider a waste of space on a server and also a joke (here, I'll laugh now - hahaha), maybe there are those out there that can figure out EXACTLY what point have you been attempting to make with regards to my original post and question? You certainly offered nothing of substance!

Back in 1994, Tom Hanks (playing Forrest Gump) said numerous times throughout the movie of the same name: "Stupid is as stupid does" and "that's all I got to say about that". Since the latter quote applies to me, I guess that'll leave the first one for you!

Gunner

P.S. - If I've overreacted and my perception is wrong, if I've misunderstood or misinterpreted the demeaning tone of your replies in this thread (and the only way I'll know that is for you say otherwise), I apologize here and now. But, if that's not the case, then this post needed to be put within this thread.

I was going to let this idiotic thread die the death it so well deserved ... but obviously you wouldn't ... so I'll just address another of your inane errors.

In an earlier message, you stated that your FI claimed that you shouldn't post "the RN, FI and bank name" in the same place.. Well either you made that up (high possibility) or you're just not paying attention to what others say (also, high possibility). WHY?

Well, quite simply, the RN (as you ridicously keep calling it) is only digits 4-8 of the R/T, the other part is the TRANSIT number and it's only together that they're a unique bank identifier. SECOND, the FI is a generic term for ANY financial institution and AGAIN it doesn't in any way identify a particular bank. THIRD people here relate all the time that they have accounts at Fidelity, BofA, etc... which ABSOLUTELY no risk of adverse acts.

IF your FI stated (more likely you made up) that you shouldn't post R/T (or name) along with account number , you'd STILL be wrong ... because there is NO circumstances in which one should post an account number.

Lastly, I notice that you never responded to my challenge to document your supposed compromised accounts ... I'm beginning to suspect that those statements were all BS also, with a strong influence of CHICKEN LITTLE ("the sky is falliing, the sky is falling")

db

BTW, as I suspected 123456789 is an mathematically INVALID R/T, which should have been your first clue. See

db

You misunderstood the posts from the OP. He never claimed that 123456789 was a valid R/T number. It was the very presence of 123456789 that prompted his concern. In your terminology, it was in fact, his "first clue." He KNEW it was not his account number and couldn't figure out how it got there. Every time he saw it, he changed it back to his valid account number.

You misunderstood the posts from the OP. He never claimed that 123456789 was a valid R/T number. It was the very presence of 123456789 that prompted his concern. In your terminology, it was in fact, his "first clue." He KNEW it was not his account number and couldn't figure out how it got there. Every time he saw it, he changed it back to his valid account number.

Hahahaha - you're so predictable, And again, nothing of substance in your response - hollow rhetoric, challenge, and NO answers. Bottom line, I've made my points, NONE of which you answered - and with each response you post you continue to fail miserably at making yours! Still haven't seen you publish your numbers! You are good at changing subjects, which is a trait that idiots do when they can't come up with answers - and you are good at not answering things.

As far as RN's go - this is part of an excerpts taken from Quicken Deluxe 2006 Help > Quicken Help when one does a search on routing number - "What is my bank routing number? Your bank account number and routing number...etc." and "Routing number - This is a nine digit number. It appears between two special banking symbols, for example..."

Gee, I guess Quicken/Intuit is wrong too calling it a RN (Routing Number), a routing number, a routing number and golly gee guess what, they too say it has 9 numbers! Hahaha But then again, I keep forgetting we have the "village idiot" who comes off like Mr. Know-It-All! I'd like to be nicer, but that means you'd have to try being smarter, and it appears to me like you can't get two or more brain cells working simultaneously. You appear to have a problem, and if that is the case and I were a betting man, I'd wager it's got a fancy medical name that's mighty hard to pronounce. :^)

I have to wonder if you act in person like you write? Because if you do, you may have been asked this question... Is that your face, or did your pants fall down?

Frankly, I didn't read your previous screed ... and I didn't read the latest one past the first sentence.

WHY on earth would I need to hear the repeated cackling of "the sky is falling, the sky is falling" (or, if you prefer, 'Identity theft, Identity theft").

My work, designing secure high end systems for the financial services industry, is difficult enough without having to contend with those who primarily spread fear uncertainty and doubt.

Like CHICKEN LITTLE!

db

In general, to everyone in who "weighed in" on this thread (with one exception), I really appreciate your time and help. In particular, DP and Lisa C. both summed things up nicely with a few of their responses and comments showing me both of them had a very good idea about what was going on. They understood very well my problem (regardless of how well I did or did not explain what was happening to me) and raised some good common sense points while making made good "food for thought" statements. Two talented and helpful people in my view (Thanks both of you) - nestled among other talented people that post here.

Except for one individual, I received help and insight that I have seen displayed countless times in this newsgroup. By and large, it's a good gang here. I know that I have made errors in using Quicken (I'm not a Financial Expert nor will I ever claim to be one) and many times things that are pointed out here in this newsgroup has solved my concerns and issues. Just reading back through the huge history (I think there are in excess of 43,000 posts the last time I had looked!) in this newsgroup has also provided me with a better feel for Quicken.

I'm sure I'll be back if other problems (self-induced or otherwise) surface while I continue to use Quicken.

Best regards... Gunner

Thanks DP - you are RIGHT ON THE MONEY with your comment shown below. No doubt in my mind there is a another person here that MISUNDERSTANDS much of what I (or anyone else for that matter) say, but the rest of the group have a good feel for EXACTLY what I said and meant... :^)

I appreciate your help and comments.

Have a good one DP and best regards... Gunner

LOL - Atta Boy! - you continue to dig yourself deeper with each post! Since some squirrel here keeps instisting the RN's aren't important, I'm still waiting for you to post your RN's? Or are you really the one that's the CHICKEN... hahahahaha

I already did. 121000248.

Now put up or shut up.

db

BTW, have you gone totally insane with this incessant cackling???

Which, come to think of it, would explain your belief system and several of your posts.

db

If I wouldn't post my RN to begin with, what makes you think something changed? Re-read the thread and answer EVERYTHING else I said or, hmmmmm, what did you say below... "Now put up or shut up."

LOL

LOL - Hey "Rocky", the world still waits for you to answer any of the points I made regarding this matter! ALL rhetoric and no substance - STILL so predictable! I guess that makes YOU the "King of Cackle" or should I say the "Chicken of Cackle".... hahahahaha

BTW, I wasn't really sure if this WAS you because I didn't see any resume info here or in your last few posts... hahahaha