Capital One download update asking for one time code

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  • Problem
  • Updated 2 days ago
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Using Windows 7 Pro, Quicken 2015 Deluxe

During a download of C1 transactions, Quicken update shows a screen saying the Capital One needs a one-time update code and provides a dropdown selection to request the code by phone or by email and provides a portion of the phone number and email address for validation.  When I select either option, Quicken continues to process the update even though I never get a C1 code via phone or email.  That's started happening this morning.  I download update my accounts every day.

Is anyone else experiencing this issue or has a resolution?

I hate to have to get this prompt every time plus I can't tell if Quicken is truly processing a download or just continuing without a download.

I'm hoping it's some web processing C1 is doing on a Sunday morning that will go away.
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Mike

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Posted 3 weeks ago

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RobM

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I had the same thing happen. I edited the account, disabled online transfers, restarted Quicken, then set it up to connect again with username and password. It sent me an e-mail with a code, I entered the code and it connected the accounts. One thing I noticed was that it downloaded some older transactions that showed as "New" at the bottom of the page. I clicked "Match manually" and deleted those. Others that showed as "match," i just clicked "accept" (they were already there from a previous download" and it did not add them again. Everything seems to be working fine now.
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Joe bornino

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same happening on two different Qucken files with different CapOne accounts.  Even though I never get the email with the code, I AM getting transactions downloaded.  Would rather not deactivate/reactivate the account and have to go though all the duplicate transactions.  Will just put up with it for a while and hope they fix it.
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bob smith

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After the first two days I started getting that too.
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Ted B

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"TOOLS"  ONLINE CENTER...UPDATE C1 SEEMS TO WORK FOR NOW
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John Rogers

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I solved the problem by un-installing Quicken and switched to a different software program. No more problems with Quicken or Capital one.
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Jay Manger

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I'm having the same issue with Capitalone.  Did the code manually by logging into my Capitalone account.  So it is downloading.  Quicken is still asking for the device  for the one-time code but I never receive it.
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stan

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I had the same problem this morning. I have not yet done the steps indicated by RobM. If it doesn't auto correct in a day or two I will do that.
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Mike

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I will do the same as RobM if it doesn't correct itself.  Thanks.
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tspencer

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same thing here, but now it is rejecting my password as incorrect, even though I confirm the exact ID and password online at C1.
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Mike

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A friend of mine went through the issue you described.  They canceled the password verification and went through a Quicken update again.  It did not repeat the invalid password problem.  Maybe that would work for your situation.
(Edited)
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datdaddy

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yep, getting same error and results.  
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AQuickenUser

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Yep, me too.  Then it hangs and I have to kill QW 2017 with the task manager.  Thinking about rolling back to QW 2016, as QW 2017 has been nothing but slow performance and other problems.
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Sue King

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QW 2016 has the same problem
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Mike

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Okay.  I tried RobM's instructions and got the code and entered it.  However, Quicken is still asking for a one time code for every C1 Card Services download. 
(Edited)
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Mike

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UPDATE:  I had to use codes several times (about 3 times for each credit card account) before Capital One stopped requesting a code.  I've seen this behavior before with my credit union login, who told me that their software requests validation several times before "learning" it is really okay to bypass code validation.
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stan

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Today, I tried it again without inactivating and reactivating. Just kept trying. It worked today. Dowloads came down and all looks good.
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joanzen .

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I'm having the same issue.  Asks me for a one-time code, I select the option to text it to me.  I never get a text, but then Quicken says that my login information is incorrect.  I've verified my login information at the Cap One site several times. 
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Mike

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I couldn't get a text until I followed Robm's steps, even though C1 said it would send a text.
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Paula Tremblay

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Same problem, but I am using Quicken Premier 2016 on a PC. I get an error saying the problem is with Quicken server. So how do I fix that?
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Kevlar_Heart

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This is a paste from a similar thread:

QWin 2017 R4 (Build 26.4.5)/Windows 10 Pro (Version 1607 Build 14393.693)

Greetings all> I have tried using all of the methods in this thread. Cap One never sent me a code to any of the means listed (Text/E-mail/Voice). Cap One within Quicken does not accept my correct password....despite logging on to the Cap One site with that password.

I contacted Capital One Online Banking support. Capital One  "is aware" of this issue. No resolution until Quicken and Capital One agree on how Quicken logs into the Cap One system. When we enter the password it is Quicken that is logging in...not the specific customer. Quicken and Cap One need to get their handshaking in sync,

As far as manually downloading transactions is concerned, here's a fun fact: D/Ling the past 30 days of transactions generated numerous duplicates as the transaction ID is different in these new QFX files than the Transaction IDs when Quicken and Capital One played well together.

So far both Cap One and Quicken have no solution until they workout security for third party log on
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ez

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Thanks! Called Cap One, they bounced me to Quicken! Couldn't reach Quicken support (spent 1h 10 min on hold). Deactivated, reactivated - nothing works..  Please help
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Kevlar_Heart

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I don't know if you followed the other answers, but what works for me with my Cap One Card Services is to update inside the register -- not in One Step Update. I still get the pop up, but when I select one of my mail addresses associated with Cap One, the transactions download. It's a pain, but it has helped me avoid  deactivate/re-activate scenario, which results in MANY duplicate transactions. Give it a try and reply at the bottom if it works. :-)
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Brian

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This method works for me, too.
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Ted B

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It worked once...we'll see if it lasts. I did not get the pop up.
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Mike

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Kevlar, Thanks for the info.  I thought this was fixed for me but I got the one-time code request again as well this evening after several downloads when C1 did not ask for it.  I think this issue should not be marked as SOLVED but don't know how to change it.
(Edited)
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jkcarp

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I'm finding that despite receiving the "one-time" verification message that I can still end up getting transactions downloaded. When the one-time security message pops up just select EMAIL verification and move on. It will result in an error as part of the One Step Update. However, if you go to the Capital One register itself and select UPDATE from the register menu then the transactions will go through. It might still ask you for a one-time security message. Go ahead and do it. It might even tell you that the password is wrong and tell you to enter it again. Just cancel. Keep repeating the UPDATE from the register menu until you get a clean result. I've gotten transactions downloaded two nights in a row this way.
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Richard Berlint

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I don't think this problem is solved. I'm still getting the goofy behavior.
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tspencer

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When I pasted this thread into a chat with Quicken Support, they checked with Capital One and said that whatever security enhancement they are going through has temporarily suspended C1 transaction download. I kept saying that Quicken should fix the error message that is being presented, but I didn't get very far.
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joanzen .

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Fingers-crossed, but my Quicken/Cap One connection seems to be working fine.  I went into my account and deactivated the online access.  I then shut down Quicken and restarted.  When I went back into the account and activated online access, I got the window asking for how I wanted to receive my one-time code.  I selected text as before and was surprised that I actually received a text this time (I never had before).  Quicken then prompted me to input the code (which it hadn't before).  I input the code and my access was activated.  The bad thing was that they downloaded over 145 old transactions, which I had to delete.  Otherwise, since then my access has been fine and I haven't been prompted for another one-time code and I've been getting downloads like normal. 

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Ted B

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When I download transactions they appear in a list below the register where I can accept them or edit etc.If they are duplicates they all say "match" so I just click "accept all" and they disappear. Setting this up in preferences eliminates the deleting headache.
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Kevlar_Heart

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Ted..you are brilliant....hahahaha I have been using this program for years (maybe since 1998?) and never thought dupes during a reset could be so easily avoided. If I could "like" this 100X I would.

Sometimes the least complicated solution is the best.

Now...if after the reset the pop up stops....
(Edited)
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Ted B

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Thanks..glad to help
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Jay Manger

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Quicken 2016.  Update 11 appears to have corrected some of the issue.  Still asks for the one time code (still a problem) but the download worked correctly.  Note: I deleted a transaction on my capital one originally and it did not retrieve it.  So I restored quicken from a recent backup and that seemed to correct the download.
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Jim

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I had the same issue today with Quicken 2014 Premier (just so people don't think it's only a problem with new Quicken versions). I deactivated and reactivated Online Services, then had to request and enter the security code 4 times. It's working now. Unfortunately, it downloaded transactions that I've already reconciled and now have to delete - one.... at.... a.... time....
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Kevlar_Heart

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Re: One at a time...
I was able to highlight multiple "new" downloads of previously reconciled transactions and delete them all at once. Hold down CTRL when selecting (just like elsewhere obviously)....worked for me, but it's a PITA. I use CapOne for 30-40 transactions in a month, so each time I do a manual download I have to go back to delete duplicates.
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William Coney

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C1 Password Issue Still Happening:

I can log on just fine to the website but Quicken insists my password is bad. I don't want to have to do manual work just because Quicken and C1 cant get their act together.....
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Jay Duff

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+1 to this thread.  Quicken 2017 Premier on Windows 10 Pro.  First, it asked me for a one-time code, and the only option was my email.  I selected that, and never got the email.  Now it's telling me my password is wrong, even though I confirmed it's right by logging into the Cap 1 website.

What gives, Quicken?!?
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Mike

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After following Robm's instructions, C1 allowed about 4 downloads without requesting the code.  The next day, it requested the code again for 2 downloads.  Today it didn't request the code.  Seems unpredictable.
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Mike411

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I am having the same issue with Quicken 2015 Home & Business. I deactivated and reactivated C1 account, then had to request and enter the security code. It worked. Unfortunately, the next day felt like Groundhog day the movie !!
Im just going to wait and let it work itself out.
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Blair Piotrowski

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Same thing here.  You can get it working by deactivating and reactivating, but the next day it wants to do the process all over again.
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Brad

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Every one of us with Cap One should have seen few correspondence from them since few months ago that they were updating their systems in January.  Which is exactly what has caused this issue.  This has nothing to do with version of Quicken or OS etc.  So yes, few folks who pointed out here that Cap One and Quicken need to cooperate and get their systems in sync again are correct.  So Cap One needs to explain to Quicken folks what they have changed and then work it out as to which one of them, or both, need to make further changes in their systems to sync things up and get things working smoothly again.  I'll keep my fingers crossed but won't hold my breath!
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John

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I agree, in making the update, it appears C1 also broke at least a couple of things. I am also experiencing the "update problem" but also noticed that C1 seems to have created a problem with pending transactions. On at least one occasion update downloaded pending transactions, other times pending transactions seem to be included in the balance calculation even when they are  not part of the download.
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joanzen .

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@John - I've been seeing a consistent issue with the status of downloaded posted vs online pending transactions for quite some time.  It seems that transactions are identified as posted in some part of Cap One's system, but it takes time for this information to be reflected throughout the system.  For example, if I execute an update during the afternoon (US eastern time), I will frequently get transactions downloaded as posted, but the balance downloaded with those transactions does not include them, as if they are still pending.  I can also log on to my account at that time and still see the downloaded transactions showing as pending.  This results in me being unable to reconcile the account in Quicken until those transactions really are posted and I get an updated balance that includes them.

I contacted Cap One several weeks ago about this and was put in touch with a member of their technical team.  He confirmed that the transactions that were downloaded to me were showing as posted in "his" system.  However, he also confirmed, as I told him, that those same transactions were still showing as pending in my online account.  He said those would be updated to posted overnight.  I told him that it seems to me that if their system is going to send transactions to Quicken then the balance they send should also include those transactions.  He agreed that there is an issue, but had no idea about a resolution.  This has been happening to me consistently for several months.  I realize that this is off-topic for this thread, so sorry for getting off in the weeds, but thought I'd respond to @John.

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Jay Duff

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Brad - Your update branding method got me an update today!  It asked for the code, never sent me one, but then the dialog box went away, and I got the new transactions!

If it works a week from today, I'll say you've solved it (for me anyway)!

Thanks
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Brad

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For those of you who are not receiving the code, updating the "Financial Institution Branding and Profile" may help.  How? go to Tools > Online Center > hold Ctrl+Shift and click on Contact Info at the top > select the "Financial Institution Branding and Profile" > Select your Cap One Account > Refresh > Update & Send.  Quit Quicken and launch again.  This approach worked for me where I now receive the code every time.  Your mileage may vary.  Good luck.
thank you - I will wait to see if it works for you tomorrow though....:)
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Ted B

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When I download transactions they appear in a list below the register where I can accept them or edit etc.If they are duplicates they all say "match" so I just click "accept all" and they disappear. Setting this up in preferences eliminates the deleting headache.
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Brad Reynolds

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The steps to deactivate and setup again work. I would just add a step to set all transactions for the not new "new" transactions. You can set all the ones in the register that a cleared or reconciled back to uncleared. Close and re-open quicken and they will show as matched now.

Using Susan's steps and adjusting:
Step one - go to the setup gear on the account and edit account settings on the correct tab.
Step 2 - deactivate the account
Step 3 - close quicken
Step 4 go back to the account and go the gear
Step 5 - edit account settings.
Step 6 - do NOT reactivate the account - go to online services tab and SET UP the account
Step 7 - this works with the code deal - etc but downloads a ton of transactions
Step 8 - Starting at first date of the "new" duplicate transactions, mark all the transactions you've already cleared or reconciled as "uncleared" This can be done in one step but selecting all the transactions while scrolling (hold Shift key + mouse).
Step 9 close and re-open quicken
Step 10 - Accept all in one step to accept all the matched transactions.
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datdaddy

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Thanks Susan and Brad -- this worked for me on Q 2017 Deluxe
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Dave Hutchison

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I had the problem that I was never sent the code.  I didn't realize I didn't have my e-mail address set up on the CapitalOne website in profile.  Once I did that, got the code and all has worked (transactions download) great since.