Vanguard not downloading transactions (times out) during One Step Update (OSU)

Fred Coale

Problem: During OSU, the download from Vanguard would start (spinning arrow), but no transactions were downloaded. Resulting error code OL-294-A.
The connection log says the connection to Vanguard timed out after three minutes.
20240604 06:09:46: QFN: Beginning send to https://services.quicken.com/ofx-secure-plus/15103
20240604 06:12:46: ***QFN kQFFinished: returns 67305976
20240604 06:12:46: Your Internet connection or the server has timed out. Try again now, or wait and try later.

Other symptoms: Only the six accounts at Vanguard under my user ID were failing. The two accounts under my wife’s user ID were working fine -- so it couldn’t be a general outage. I was also still able to sign on to the Vanguard website.

Attempted fixes:

1. Waited 24 hours, thinking somehow the account was temporarily locked, but still failed.
2. Reset all accounts, but each of them timed out with the message Account Reset Failed.
3. Deactivated and Activated online services for all the accounts. Although it found the accounts at Vanguard and I was able re-link each one in Quicken, OSU still timed out.
4. Ran Validate and Repair, no errors.
5. Created a copy of the file, connected online services for the accounts, OSU still failed.
6. Tried a manual download from Vanguard to Quicken. Re-linked each account and it DID downloaded transactions, but to only 4 of the 6 accounts. It basically ignored 2 of the accounts, but without an error code.
   

Note: After the manual download from Vanguard to Quicken, I noticed the account numbers for the two IRA accounts had changed from alphanumeric to numeric. Why? I don’t know. Alphanumeric was the “old” format for years with IRA’s, and worked until last week. Numeric is the new format.

Fred Coale

SOLUTION:
Although all six accounts contained the same Customer ID (my Vanguard User ID), two of them were in lower case, the other 4 were all caps. While the Vanguard website user ID is NOT case sensitive, the Customer ID in online services IS case-sensitive.

Once I changed all 6 accounts to match Customer ID exactly, OSU worked fine.

Fred Coale

SOLUTION:
Although all six accounts contained the same Customer ID (my Vanguard User ID), two of them were in lower case, the other 4 were all caps. While the Vanguard website user ID is NOT case sensitive, the Customer ID in online services IS case-sensitive.

Once I changed all 6 accounts to match Customer ID exactly, OSU worked fine.

Quicken Anja

Hello @Fred Coale,

 We are glad to hear you were able to resolve your issue and we appreciate you sharing your solution here in the Community as it may help others experiencing the same problem.

Thank you!