Online Bill Payment Error / PNC Bank
I am able to download transactions from my bank with no problem. Since I began using Moneydance a couple of months ago, I have been able to make online bill payments but only after posting the transaction multiple times. For the past week, I have not been able to post any online bill payments with Moneydance. I receive the following errors:
There was an error communicating with your financial
institution. The details of this error are below.
I'm sorry, an error occurred. The details of this error are
below.
Error Description: java.lang.Exception: Server did not acknowledge
payment message
followed by:
The error code reported by the server was: 2000
Any help appreciated
Comments are currently closed for this discussion. You can start a new one.
32 Posted by open2ningz on 06 Jan, 2010 03:03 PM
Hi Jessica,
Does anyone there actually use this application. I have a long list of things that are quirky, badly executed or just plain broken. I have not had an opportunity to attempt to pay bills out of this app recently as after the last problem I went to my bank's website and paid everything online there.
Here are a couple annoyances I can think of at the moment:
If you select to download all accounts, then you will not have any opportunity to match up those downloaded transactions with any that already exist in your accounts, resulting in duplicate entries.
When you select to change the category and type in a "h" for healthcare for example, then healthcare comes up at the very bottom most entry of the list and you must scroll the list up in order to see the subcategories like co-pay, doctor, lab etc.
Some places in the app offer a calendar when manipulating dates but others do not.
The applicatoin does not save account passwords so I have to enter them everytime I connect to the bank for downloads - realizing this is a security risk on my end but i can manage that - or you could password protect the application to protect those saved passwords for me.
My reserve line account (overdraft coverage) from US Bank cannot be downloaded because your application insists it must be a credit card when I try to download its data (it doesn't offer the correct account to select where to put the downloaded data). This is really a pain since I started it from the account where I wanted the downloads to go.
There are many others but these are the ones I can remember from my desk at work.
I'm really quite disappointed in my selection of this as a replacement for MS Money. I always hated MS for the way they insisted I re-buy their product every year or two, not to mention their COMPLETE lack of support (and yet they still demanded money). And now I see that Moneydance is going to follow suit and require a renewal ever year or two. Boo. Guess I will have to look at GNUCASH better.
Disappointed in Iowa.
Randy
--- On Wed, 1/6/10, Jessica Little <[email blocked]> wrote:
From: Jessica Little <[email blocked]>
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
To: [email blocked]
Date: Wednesday, January 6, 2010, 8:02 AM
Support Staff 33 Posted by Ben Spencer on 06 Jan, 2010 03:38 PM
Hi Randy
The job of providing support is much more difficult when users post unrelated questions in an existing discussion. Please do not respond to my post here. Instead start a new discussion for the questions you have.
Having said that I want clarify the situation for other users when inaccurate information is posted here. Moneydance does not and never has required renewal on a yearly or any other basis. We still have users using the 2001 version of Moneydance. They are quite happy with the version of the software they bought. Twice in the last decade we have released a new version of the software that has not been a free upgrade for users with old versions of the software. Users were not required to purchase the new version of the software.
Sincerely
Ben Spencer
34 Posted by jccorbi on 06 Jan, 2010 04:15 PM
Jessica - thanks - I'll do what I can to help - should you need me to run the diagnostic log again, just let me know.
Curt Corbi
-----Original Message-----
From: Jessica Little [***@***]
Sent: Wednesday, January 06, 2010 8:02 AM
To: [email blocked]
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
35 Posted by open2ningz on 06 Jan, 2010 05:40 PM
Thank you. I stand corrected. I thought this was a good way to get feedback to those that can do something with it. I work fulltime and am a fulltime student as well. MS pulling the rug out from under me with 10 years of banking data and as many accounts was bad for me from a time management perspective. I don't have a lot of time to wade through your tech support system and try and communicate things to Moneydance that should not require me to report if someone there actually used the application. That is my perspective.
Randy
--- On Wed, 1/6/10, Ben Spencer <[email blocked]> wrote:
From: Ben Spencer <[email blocked]>
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
To: [email blocked]
Date: Wednesday, January 6, 2010, 9:38 AM
36 Posted by Kurt Jefferson on 07 Jan, 2010 02:16 PM
Hi Jessica.
I’m also having problems with online bill paying using the latest version of Moneydance (version 2010r2 build 735).
Here is an error log showing JAVA errors.
In addition, as I use the Moneydance Debugging Helper, I am no longer able to copy the data shown in the window and paste it into a word processing document to send to you.
In the past, I’ve been able to “select all” or highlight the text so I can copy, place in the clipboard, and then paste into an empty document.
Since I can’t do this, I took screenshots of the process trying to pay one bill. I’m sending you 21 screenshots showing that one log. I converted the screenshots into JPEGS to send.
The bill that I attempted to pay (shown in these logs) finally was paid successfully after about 10 tries.
I know this is probably a moving target and I think that Sean and you deserve a gold medal for trying to solve this persistent “bug.”
Thanks again for your help.
37 Posted by jccorbi on 08 Jan, 2010 05:59 PM
Hi Jessica
I've noticed that with the 2010 version of MoneyDance the downloading of bank transactions is problematic. It does not "list" the transactions and allow me to do the matching as in earlier releases. Instead it merges the downloaded data into my register creating duplicate entries and making is VERY difficult to sort out. Basically I wind up searching for dollar amounts, deleting the incorrect one, etc. What am I missing here - I'm sure I must be doing something wrong?
Curt Corbi
-----Original Message-----
From: Jessica Little [***@***]
Sent: Wednesday, January 06, 2010 8:02 AM
To: [email blocked]
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
38 Posted by open2ningz on 08 Jan, 2010 07:43 PM
jccorbi,
I see this too but thought it was because I had selected to download all accounts, something I miss from MS Money, but something which I had decided I would NEVER do again in MD. Maybe not? Are you seeing this downloading indivdual accounts?
Randy
--- On Fri, 1/8/10, jccorbi <[email blocked]> wrote:
From: jccorbi <[email blocked]>
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
To: [email blocked]
Date: Friday, January 8, 2010, 11:59 AM
39 Posted by jccorbi on 08 Jan, 2010 11:03 PM
Yes, I only download accounts individually because most do not interface with MD (Wilmington Trust, Chase Bank) without me having to logon to the account and do a manual QIF download.
In MD 2010, the download for PNC occurs via the MD online menu but the result is a mess - new transactions mis-catagorized with no obvious way to see which ones are the downloaded ones. I wind up with duplicate entries because some were entered manually and MD 2010 is not providing a way to "match" the transactions.
Curt
-----Original Message-----
From: open2ningz [***@***]
Sent: Friday, January 08, 2010 1:43 PM
To: [email blocked]
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
40 Posted by jccorbi on 16 Jan, 2010 03:36 PM
I have since discovered what I think is the intended procedure for transaction downloading. Once the download is complete, if I click on the UNCONFIRMED button, all my downloaded transactions are displayed and I am able to work with them in a similar manner to earlier releases. 2010 does offer to "merge" the downloaded transaction into an existing one if it detects that there may be a match. If you accept the merge, you wind up with a single transaction (no duplicates) and all is well. Since I've used this new scheme for a while, I'm now fine with it.
I AM still having difficulty though with the bill pay interface with PNC Bank. Strange - one of the largest banks in the country.
41 Posted by open2ningz on 17 Jan, 2010 04:22 PM
This merge is good to know. Kind of obvious once exposed, ins't it? Too bad there is no real halp file or user guide for this "product."
"Strange - one of the largest banks in the country" - even more so in that it works perfectly with other company's applications.
Randy
--- On Sat, 1/16/10, jccorbi <[email blocked]> wrote:
From: jccorbi <[email blocked]>
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
To: [email blocked]
Date: Saturday, January 16, 2010, 9:36 AM
Support Staff 42 Posted by Jessica Little on 27 Jan, 2010 04:29 PM
Hi All,
We've recently released a new version of Moneydance (build 738) that updates our OFX auth scheme, as well as tweaking the way transaction matching works. I would love if someone could install the update and let me know if this fix resolves the bill pay error. We're not sure if this is the fix that will finally solve this bug, so confirmation one way or the other would be great.
Thanks for your help!
Jessica Little
Moneydance Support
43 Posted by jccorbi on 27 Jan, 2010 06:24 PM
I will install the update immediately and let you know my experience.
-----Original Message-----
From: Jessica Little [***@***]
Sent: Wednesday, January 27, 2010 10:30 AM
To: [email blocked]
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
44 Posted by open2ningz on 01 Feb, 2010 08:23 PM
Where would one download the 738 build?
45 Posted by jbnyt on 01 Feb, 2010 09:17 PM
You can get it here: http://moneydance.com/trac/wiki/Moneydance2010Beta
46 Posted by Kurt Jefferson on 05 Feb, 2010 10:45 PM
Hi Jessica.
I will install the update (build 738) you mentioned below and use it the next time I pay a bill online.
I should have done it before now but will install the update to see if it works.
Thanks.
47 Posted by jccorbi on 05 Feb, 2010 11:08 PM
Unfortunately I've done this and there is no improvement to the Bill Pay. It "eventually" works but not until you try several times.
-----Original Message-----
From: Kurt Jefferson [***@***]
Sent: Friday, February 05, 2010 4:45 PM
To: [email blocked]
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
Support Staff 48 Posted by Jessica Little on 06 Feb, 2010 07:47 PM
Hi Kurt and Curt,
Thanks for testing this. I'm sorry it's still not working. Sean is currently working on implementing more of the new authorization spec in Moneydance, so perhaps we'll get this working in another update. I'll let you know when something's been released so that you can test it.
Again, I'm sorry we still haven't been able to fix this bug. Thanks for being so helpful and sticking with us for this long.
Jessica Little
Moneydance Support
49 Posted by walters on 07 Feb, 2010 12:50 AM
I believe that I may have been getting the same error as Kurt Jefferson and others.
Version and OS: Moneydance 2010r2 (740); Mac OS X 10.5.8; Java Version: 1.5.0_22
There was an error communicating with your financial institution. The details of this error are below.
I'm sorry, an error occurred. The details of this error are below.
Error Description: java.lang.Exception: Server did not acknowledge payment message.
The transaction apparently did go through on the third try.
Allan Walters
50 Posted by Kurt Jefferson on 07 Feb, 2010 01:30 AM
Hi Jessica.
I’m glad to help out.
I understand that software development is never certain and patience is definitely a virtue when it comes to coding, development, and making the customers happy.
I’m just hanging tight.
Thanks for the hard work.
51 Posted by Woody on 18 Feb, 2010 04:03 AM
I have the same issues as listed and found that if I close Money Dance, then open it and download my accounts (set in preferences to automatically download). Tthen go and submit an online payment, it works fine. Maybe it is an authentication time out or something to do with connectivity that causes the message to be rejected when sending an online payment. Can others try this method and see if it works for them? Thanks.
52 Posted by walters on 09 Mar, 2010 05:11 PM
Tried Woody's suggestion of February 17th. Still took three tries for the transaction to go through; see note I posted on Febraury 6th. Using latest Beta--743.
Allan Walters
53 Posted by Stephen on 11 Mar, 2010 05:11 PM
Hi. New user here. Also not able to complete bill pay transactions on MD. Everything seems to go smoothly until I press the 'finish' button, then I get an online error "there was an error communicating with your financial institution. The details of this error are below. Bank Name: TD Bank Online Banking". No further details. I have tried submitting multiple time, closing and re-entering multiple times but still will not process.
Moneydance 2010r2 (735)
Mac 10.5.8
(and I also lose the top menu for Moneydance routinely . . . )
54 Posted by Phillip Jones on 11 Mar, 2010 07:36 PM
________________________________
From: Stephen <[email blocked]>
To: [email blocked]
Sent: Thu, March 11, 2010 12:12:29 PM
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
55 Posted by open2ningz on 12 Mar, 2010 02:11 PM
Yeah Stephen, this has been going on for months. Wish I could have warned you. You no doubt noticed the prominent "You ain't gettin' your money back if you buy this product." when you paid your hard earned money to get you rMD license. I have since started using Quicken online. I'll probably just try to figure out GNU Cash again. It's methods are so foreign to the way I learned to operate Microsuck Money, but now it doesn't matter because I have such a huge hole in what was once a consistent set of records going back 15 years. I hated MSMoney because it kept me from ever dumping Windoze. This is why I wanted the ability to run the application from multiple platforms, which MD does do, sort of. But they have been "working on" this problem for months with no resolution. Thanks MD.
Randy
--- On Thu, 3/11/10, Stephen <[email blocked]> wrote:
From: Stephen <[email blocked]>
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
To: [email blocked]
Date: Thursday, March 11, 2010, 11:12 AM
Support Staff 56 Posted by Jessica Little on 16 Mar, 2010 02:23 PM
To all reading this thread: I am very sorry that we haven't yet figured out what is causing this error. You'll have to trust me when I say that that has been nearly as frustrating for Sean and I as it undoubtedly is for you all. We've tried various fixes that haven't worked and are working on various ways to both collect more information and try to fix this bug. Trust me when I say that I will be dancing when we finally figure out what's causing this problem and manage to fix it!
To Randy (open2ningz): It is completely false to state that we do not offer full refunds for those who are dissatisfied with their Moneydance experience. A quick search of our forums is enough to refute that idea. We don't even expect any reason beyound the fact that you're dissatisfied. I believe our refund policy is quite liberal, actually.
I understand that you are quite unhappy with Moneydance, and have noticed your frequently negative (and sometime untrue) comments on our forums. I would like to politely request that, if you are so completely dissatisfied and unable to constructively contribute to the conversations here, could you please stop posting on our forums? It's already disheartening enough to have failed to fix this bug thus far. It doesn't help that I also need to spend time reading and responding to your negative and false comments.
Thanks for your consideration.
Jessica Little
Moneydance Support
Support Staff 57 Posted by Jessica Little on 16 Mar, 2010 03:01 PM
Speaking of fix attempts: We've just made a change to the PNC Bank connection information that'd I'd love for folks to test. Could people having this error with PNC Bank please reset their bill pay connection and let me know if the error persists? To do so, you can follow these steps:
1) Select your bank account in Moneydance
2) Select the Online->Setup Online Bill Payment button/menu
3) Click the "Disable" button. If you don't see a disable button, continue to step 5.
4) Select the Online->Setup Online Bill Payment button/menu (again)
5) Click the "New Connection" button and select your bank and hit OK
6) Continue with the setup process, entering your username/password
7) Repeat steps 1-6 for any additional accounts
Please let me know if this makes things any better (or worse!) with regards to the bill payment acknowledgment error.
Jessica Little
Moneydance Support
58 Posted by Steven on 16 Mar, 2010 04:53 PM
Jessica
I'm sorry you get occasional 'trash talk'. My heart goes out to you. I hate it that you have to use Java as a foundation for Moneydance. As a retired engineer, figuring out what someone (Java) did before you and why is the 'pits' (if Java turns out to be the source of the problem). The probability of a 'sneak circuit' or a 'backdoor' entrance is very good.
Now, one piece of advice; if this problem did not exist in a previous version of Moneydance, go back to that version and look at the changes since then. If the problem did not exist in a previous version, someone changed something that created the problem. When you solve this problem, the personal reward will greatly exceed any comments you get, good or bad. Stay with it girl, don't quit now!
59 Posted by open2ningz on 16 Mar, 2010 06:04 PM
Jessica,
If I was incorrect in stating this then I apologize and retract my statement. However, this note:
"Note: Moneydance has a generous trial system so you can ensure
the software meets your expectations prior to purchasing. It is
effectively impossible to "take back" a license key, so we encourage
potential customers to download the trial version before purchasing
Moneydance."
from your web site's Purchase page reads to me very much like there will be no refunds offered. I read into it that since the key cannot be "taken back" that there will therefore be no refunds. In your defense, it does not specifically say that. I may not be the only person who reads it that way.
I would like a full refund. Thank you.
--- On Tue, 3/16/10, Jessica Little <[email blocked]> wrote:
From: Jessica Little <[email blocked]>
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]
To: [email blocked]
Date: Tuesday, March 16, 2010, 9:23 AM
Support Staff 60 Posted by Jessica Little on 16 Mar, 2010 06:55 PM
Hi Steven,
Thanks for the words of support! This has definitely been a tough case to solve. It's the worse kinda of bug: intermittent and hard to duplicate. We've also been dealing with it since before 2010 was released, so we know it's not a 2010 bug. It only seems to affect 4-6 specific banks, so it might just be something where our implementations of the OFX specification disagree. If we could even reliably duplicate the problem (instead of it working 1 out of every 5-20 times), that would be a great step forward.
I will be very excited when we finally crack this one. I believe this is the bug I've personally been working on the longest in my time with Moneydance. I'm sure when we find it, it'll be some small fix that will seem obvious in hindsight. A celebration will definitely be in order though. :-)
Randy: Thanks for your response. I can see how the snippet you quote could be misleading. I'll ask Sean to update the website so that it's more clear. Also, I've gone ahead and asked our payment processing partners BMT Micro to process your refund. You'll hear from them once the process is complete. I'm sorry Moneydance was not the program for you and I hope you do find what you're looking for in PFM software.
Jessica Little
Moneydance Support
61 Posted by jccorbi on 16 Mar, 2010 10:42 PM
Hi Jessica
Interesting that you're finding the problem intermittent. It is not intermittent for me. It always takes between three to ten tries to get the FIRST transaction processed (PNC Bank) - after that, it's OK and processes on the first attempt. Could be some problem with the initial hand-shake with the institution's server in bill-pay mode. Downloading transaction updates is never a problem - always works fine.
Curt Corbi
-----Original Message-----
From: Jessica Little [***@***]
Sent: Tuesday, March 16, 2010 2:55 PM
To: [email blocked]
Subject: Re: Online Bill Payment Error / PNC Bank [Problems]