status of capital one?
I am having trouble connecting to my Capital One credit card. It used to say wrong password even though it's not. Now it's saying error connecting. I've seen a lot of posts about this problem, but most are old and all seem closed. Is there a trick to getting to get Capital One credit cards to work?
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Support Staff 2 Posted by Jessica Little on 04 Feb, 2010 05:52 PM
Unfortunately, Capital One only supports direct connection for if you have a bank account with them. They for some reason don't support direct connections for their credit card customers. In order to track your transactions in Moneydance, you'll need to download OFX files from the Capital One website and then import them into Moneydance.
I'm sorry for the inconvenience. Please let me know if I can be of any further assistance.
Jessica Little
Moneydance Support
3 Posted by owangolama on 04 Feb, 2010 09:08 PM
Hmm... I don't have an account with them, but I can connect and download info via Quicken. Does it seem strange that I can do it via Quicken and not via MoneyDance?
4 Posted by owangolama on 04 Feb, 2010 10:43 PM
Update. Downloaded OFX file as recommended.
Rec'd this error in MoneyDance:
--
There was an error communicating with your financial institution. The details of this error are below.
Unable to determine account for payment list
In English, this usually means Moneydance was unable to determine
--
And in case you're wondering, yes, it did cut off just like that. Somebody's being a bit stingy on the dialog box sizes.
5 Posted by jbnyt on 04 Feb, 2010 11:22 PM
This may solve your dialog box size issue:
From MD support: "Also, you've hit upon a small bug in Moneydance. The error window is too small to show the full error message, but it's not immediately obvious that there's more to the message. If you click and drag the lower right hand corner of the message window to expand the window, you'll be able to see the full error message. We're working on a fix for this so that in the future it will be clear that the error message continues past "Bank Name.""
6 Posted by owangolama on 15 Feb, 2010 06:11 PM
Bump.
I have three open issues, two of which have been open for well over a week with zero response from the MD crew. I understand there was some bad weather involved, but is everybody really still out of commission? One of the main reasons I switched was the promise of good support. :(
7 Posted by avp2 on 15 Feb, 2010 10:13 PM
Discover is like Capital One in reverse; they have direct access for their credit card, but not for their bank.
BTW, the best "direct access" bank service I have come across so far is Wachovia (now part of Wells Fargo). Not only is the service free, their investment accounts have direct access too.
Support Staff 8 Posted by Ben Spencer on 16 Feb, 2010 04:56 PM
I just want to add my experience with wachovia.
I was able to directly connect to the completely trouble free and for three month they didn't charge me anything. Then without any notice from them I started getting a $5.95 charge for "Personal Finance Service Charge" showing up in my account. I called them up and after much trouble. I managed to get them to remove the charges as I had never given them permission to make them. I haven't used direct connect with this account since and I notice last month that they continue to charge the the $5.95. I have had a terrible time trying to get them to disable this service on this account. At one point they told me that the service didn't really cost wachovia anything to provide but that the charge was there to discourage users from connecting to them with personal finance software. I told them that I was a Moneydance employee and still they haven't disabled the service on my account. I wouldn't recommend wachovia to anyone.
Sincerely
Ben Spencer
Moneydance Support
9 Posted by owangolama on 16 Feb, 2010 05:31 PM
Argh. I'm not asking about Wachovia. Or Discover. Or grapefruits, or turtles, or ping pong in the winter. I'm asking about Capital One credit cards. I need to import my credit card statements. I need to do this either via a direct connection or a download and file import, but neither of those are working for me at present.
I would be very grateful if someone could address the question that I asked. Thanks.
10 Posted by avp2 on 16 Feb, 2010 05:39 PM
Sounds similar to the treatment I got with BofA. No problems with Wachovia in the last year I have had them though - knocking on wood that it will stay that way.
Actually, I have been getting ready to transfer some significant retirement funds to their investment division because of the direct access. Based on your info, I will do some checking before I do.
Support Staff 11 Posted by Angie Rauscher on 16 Feb, 2010 05:52 PM
Owangolama,
You've hit upon a small bug in Moneydance. The error window you received is too small to show the full error message, but it's not immediately obvious that there's more to the message. Please click and drag the lower right hand corner of the message window to expand the window, and then copy and paste the full error message here. This will assist us in diagnosing your issue.
Sorry for the inconvenience! We're working on a fix for this so that in the future it will be clear that the error message continues past "Bank Name."
Angie Rauscher
Moneydance Support
12 Posted by owangolama on 16 Feb, 2010 08:22 PM
Holy moly. What do I have to do to get a simple answer to my actual question. I will try again:
I need to import Capital One credit card info into MoneyDance. How do I do that?
Please, please read the thread and address my question. I don't care about the dialog box and I don't care about any other bank or credit card issues.
13 Posted by lostisalmoston on 17 Feb, 2010 12:54 AM
@owangolama - tough not being heard, eh? I remember a few years ago Quicken would not pull up Capital One's data. Not sure what changed. My only guess is that Capital One has a lock-down for security purposes and they are in cahoots with Quicken so they allow Quicken to have the information they are asking for. I don't think MD has that capability. Yet. Same with B of A and other credit card holders. I really think it boils down to a security feature. to protect you. or annoy you. whichever.
14 Posted by owangolama on 17 Feb, 2010 02:01 AM
@lostisalmoston - indeed, it is tough. :) thanks for the info; that sounds plausible. now I'll wait to see if the MD folks can verify. surely there are bushels of people using Capital One credit cards and (trying to use) MD.
15 Posted by deb on 17 Feb, 2010 05:12 AM
I too am completely frustrated trying to get CapitalOne to allow downloading of my credit card info to MD. I've tried to contact a thinking brain at CapitalOne, no luck. Surely there is someone at MD who can contact the CapitalOne tech people and sort this out, or at least get CapitalOne to put their position in writing for us all to see.
16 Posted by deb on 17 Feb, 2010 05:29 AM
Good News!
I found someone at CapitalOne who explained that they "only" download in certain formats.
Therefore, log into your CapitalOne account, choose "downloads" on the dark blue bar above "Account Summary", enter a transaction range (limited to 90 days at a time, up to 180 days in the past), choose "QIF" file type, download, file will appear in a download window, open Moneydance, choose "File", choose "import Quicken (TM) Interchange Format (QIF), choose your CapitalOne account, rejoice!
17 Posted by avp2 on 17 Feb, 2010 03:32 PM
I think you found out exactly what the first reply from MD support was - Capital One credit card service does not support "direct access" downloads, only download and import.
Apparently, an earlier reply where I explained this and the difference between the two types of connection and that Quicken has a semi-automatic download-import that some people (including many bank representatives) confuse with MD's direct access and that I had added my info about Discover/Wachovia as additional info that might be useful for anyone (besides the original poster) that read the thread. I guess I was not logged in when I hit the comment or something. Anyway, glad this is settled.
BTW, I see Capital One has VISA and several Master Card setups. I would guess they are actually operated by separate (from the bank) operations and that determines whether direct access, which Capital One bank has for their checking/saving accounts, is supported; that is the situation with Discover card - Discover bank, but vice versa.
Support Staff 18 Posted by Angie Rauscher on 17 Feb, 2010 04:15 PM
Owangolama- The "error message" post was my attempt to make sure there wasn't information which was cut off by the dialogue box (as you described in post #4). It was unclear to me from the above posts if you had a banking account at Capital One, and so should be able to connect and this was actually a different issue that Moneydance Support had originally thought. I apologize if it seemed that we were not paying attention.
Quicken and Money support two methods of accessing your accounts: direct connect and web connect. With web connect, they basically connect to your bank's website and download and import OFX files. Direct connect actually connects to a server at your bank instead of their website and usually requires different login credentials than you would use to log into your banks website. Moneydance only supports automatic connections through direct connect and not web connect. You can still download OFX files form your bank and import them, but there's currently no way to do this automatically from within Moneydance.
We are looking into the possibility of offering web connect but there are several obstacles for us at the moment. Since in web connect the program is interfacing with the banks web interface each different web connection with a bank will be different. Moreover, if a bank changes their interface then we may have to totally restructure that banks web connect process. Its all a bit of a daunting process, especially determining a method that meets our high standards of quality and security but we are definitely looking into our options. We will keep the Moneydance community updated about new developments in web connect for Moneydance.
What should you do now? Follow Deb's instructions above, which I am re-copying here: "Therefore, log into your CapitalOne account, choose "downloads" on the dark blue bar above "Account Summary", enter a transaction range (limited to 90 days at a time, up to 180 days in the past), choose "QIF" file type, download, file will appear in a download window, open Moneydance, choose "File", choose "import Quicken (TM) Interchange Format (QIF), choose your CapitalOne account, rejoice!"
I personally do the download and import procedure even though my bank permits direct connect, because they charge $9.95 a month for that privilege, and I am somewhat cheap.
Please let me know if any of this was unclear, or if I can be of further assistance,
Angie Rauscher
Moneydance Support
19 Posted by owangolama on 12 Mar, 2010 01:12 PM
@deb: Forgot to reply here... this solution is working for me, so big thanks to you for telling me what to do! Of course, it would be a LOT nicer if it could be accomplished the normal way, so hopefully that will happen in the future!
Thanks again!
Jessica Little closed this discussion on 16 Mar, 2010 01:59 PM.