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Quicken Classic for Win - OL-295-A Errors at Vanguard

DisplacedHoosier

Not able to connect to Vanguard on any of my accounts. I see a pinned post referomg to Quicken for Mac, but this seems to be occuring on PC as well. On latest version of Quicken (R61.20). Issue started today (2/20/25).

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Windows

download transactions

One Step Update

Accepted answers

Quicken Anja

Hello All,

This is now considered a known issue, though we do not have an ETA on resolution at this time. While the investigation remains ongoing, please refer to this Community Alert for any and all available updates and information.

We apologize for any inconvenience in the meantime! Thank you.

Boatnmaniac

Vanguard has blocked all direct connect connections while they fix an issue with it. This affects all financial softwares that use Direct Connect to download transactions. See this Alert: UPDATE 2/25/25 Vanguard OL-295-A and Error 16503.

In addition, you might want to read through and bookmark this discussion thread on regarding this issue: Re: Quicken Classic for Win - OL-295-A Errors at Vanguard.

There is a way you can download transactions: Use the Web Connect method. WC is where you log into your online account and then manually download and import your transactions from there. There are a few posts in that thread confirming that this works and some of them provide some tips on how to successfully use WC with Vanguard.

Does this answer your question?

Boatnmaniac

https://community.quicken.com/discussion/comment/20480009#Comment_20480009

I think others have said you need deactivate your Vanguard account(s) and then do Add Account selecting direct connect as the connection option. To do this, type in Vanguard in Add Account. Then click on Advanced Options…NOT on Next.

Then click on Direct Connect and then on Next. Follow the prompts to complete the setup of DC, making sure to Link the downloaded data to the correct Vanguard account(s) already in Quicken.

Jim_Harman

[revised 3/27]

Here is a summary of the steps needed to reconnect your Vanguard accounts.. Some of these steps may not be necessary in every case, but I want to cover as many bases as possible.

Back up your data file in case something goes wrong.
Go to Edit > Preferences > Investments and make sure the "Default to Simple investing for new accounts" box is not checked.
Go to Edit > Preferences > Downloaded transactions and un-check the "Automatically add to investment transaction lists" box if it is not already un-checked. This will give you a chance to review any new transactions to make sure there are no duplicates and the transactions are going to the correct accounts.
Go to each problem account, click on the gear at the top right and select Edit account details. Make a note of the account name and the Vanguard account number. For accounts that have been connected for many years, you may need to use old account numbers that begin with 2 digits and a V rather than the current 8 digit numbers when re-linking the accounts. If you downloaded transactions using Web Connect (QFX) during the outage, your account numbers may have been changed to the new numbers. If in doubt, open a backup from before the outage, record the correct account numbers, and then return to your working file.
Now for each problem account, click on the gear at the top right, select Edit account details, and then the Online Services tab. If it says the account is set up for transaction download, click on Deactivate. Do not click on “Set up now” after deactivating, you must go through the following steps.
Go to the General tab and now you should be able to select Complete mode. Select that.
At the top of the Accounts bar, usually on the left side of your screen, where all of your accounts are listed, click on the plus sign. This should open the Add account window. Don't worry, you will not be adding any accounts, you will be linking your current Vanguard accounts in Quicken to the corresponding online accounts.
Enter Vanguard and you should see the Vanguard logo on the right. Below the logo, click on Advanced options. Read the permission screen about Quicken and Intuit and click on Continue.
Under How should Quicken connect, select Direct Connect. Click on Next.
Provide your Vanguard username and password, and check the Save to Password Vault if that is how you normally operate. Click on Next.
You will see a list of all your Vanguard accounts. Any accounts that are already connected will be marked Don't add to Quicken. Accounts that you can connect will have entry boxes. For your existing problem accounts DO NOT SELECT THE DEFAULT OF ADD TO QUICKEN. Instead, select Link to existing account and select the Quicken account to use. Do not guess here. If you don't know which account to select or there are Vanguard accounts that you don't want to track, select Don't add to Quicken and only do the accounts you are sure of. You can pick up at step 7 later and reconnect any other accounts later if necessary.
Click on Cancel if you are confused at this point and your accounts will not be re-linked. If you are satisfied, click on Done and your accounts should be set.
Check to make sure any downloaded transactions are going to the correct accounts.

If you have attempted to update while the accounts were in Simple mode, you may see Added or Removed transactions during that time. You will need to delete these. If there are problems, restore the backup file you saved and you will be back to where you started.

Please let us know if this works for you.

All comments

FrustratedUser

I sent the message below via there online messaging system.

Vanguard Web Services problem with Quicken

I am reporting a problem that I and many others are having.Downloading from Vanguard to Quicken has not been working since for the past few days.See:

https://community.quicken.com/discussion/7960264/quicken-classic-for-win-ol-295-a-errors-at-vanguard

Here is the data from my most recent Connection Log:

==== OSU Start (20250221/07:30:37) ====20250221 07:30:38: QFN: Beginning send to https://services.quicken.com/ofx-secure-plus/1510320250221 07:30:40: ***QFN kQFFinished: returns 6730587620250221 07:30:40: We re sorry, but the application could not find an item on the server that it needs. Try again now, or wait and try later.20250221 07:30:40: QFN: End send to https://services.quicken.com/ofx-secure-plus/15103, netstatus 1520250221 07:30:40: 20250221 07:30:40: QFN: Beginning send to https://services.quicken.com/ofx-secure-plus/1510320250221 07:30:42: ***QFN kQFFinished: returns 6730587620250221 07:30:42: We re sorry, but the application could not find an item on the server that it needs. Try again now, or wait and try later.20250221 07:30:42: QFN: End send to https://services.quicken.com/ofx-secure-plus/15103, netstatus 1520250221 07:30:42: ==== OSU End (20250221/07:30:46) ====

GlennM

Same issue (error OL-295-A) for me with Windows 11 PC

PRD

also getting OL-295-A on windows 11 with classic Quicken.

Jim_Harman

I am also receiving an OL-295A error connecting to Vanguard. QWin R60.20. It worked fine in the morning of 2/20, broken 2/21. Here are the results from CONNLOG.TXT after attempting Update Transactions from the gear menu of a Vanguard account:

==== Mini-OSU Start (20250221/08:35:22) ====
20250221 08:35:22: Marketing session sending to: https://msa.intuit.com/banking/fimkt/basic/intuit_BASICmac.ini
20250221 08:35:22: QFN: Beginning get from https://msa.intuit.com/banking/fimkt/basic/intuit_BASICmac.ini
20250221 08:35:23: QFN: End get from https://msa.intuit.com/banking/fimkt/basic/intuit_BASICmac.ini, netstatus 0
20250221 08:35:23: QFN: Beginning send to https://services.quicken.com/ofx-secure-plus/15103
20250221 08:35:24: ***QFN kQFFinished: returns 67305876
20250221 08:35:24: We re sorry, but the application could not find an item on the server that it needs. Try again now, or wait and try later.
20250221 08:35:24: QFN: End send to https://services.quicken.com/ofx-secure-plus/15103, netstatus 15
20250221 08:35:25:
==== Mini-OSU End (20250221/08:35:27) ====

I had s Sell transaction yesterday.

When I download a QFX file from Vanguard and import to Quicken, I get the message "There are no new transactions but balances have been updated." Sure enough, if I do a Reconcile Shares, the share balance reflects the sale but no new transactions show up. This appears to be a Vanguard problem.

I have sent a report as requested by @Quicken Anja below.

Da Ch

OS: Windows

Trying to do Vanguard account update just produces opaque error. It used to work before without a problem.

Quicken Anja

Hello All,

We will be forwarding this issue to the proper channels to have this further investigated. However, we request that you please navigate to Help > Report a problem within your Quicken program and submit a problem report with log files and screenshots attached in order to contribute to the investigation.

It would also aid the investigation to include a sanitized file when submitting the problem report. A sanitized file is a data file that removes personally identifiable information so you can comfortably share this file with the Quicken team.

While you will not receive a response through this submission, these reports will help our teams in further investigating the issue. The more problem reports we receive, the better.

We apologize for any inconvenience in the meantime! Thank you.
(CBT-589)

EvDob

And why is it that my One Step Update Summary window only shows "One Step Update Complete" after this error? Quicken never shows me status for Vanguard anymore.

Robert Chiarulli

I am having the same issue

Jim_Harman

@EvDob

You should be able to correct the problem of the OSU result details not being displayed with the following procedure. Note this will not correct the current problem with Vanguard, it just fixes the problem with the One Step Update (OSU) results not being displayed.

Do a OSU and then Exit Quicken
In Windows explorer, navigate to C:\ProgramData\Quicken\Inet. If you don't see the C:\ProgramData folder, it is hidden by default. In Windows 11 Windows Explorer, click on View then Show and select Hidden items to show the hidden folders. You should also select File name extensions under Show to see the ".dat" part of the file if that is not already selected.
In the Inet folder, open the folder that matches the name of your active QDF file and look for the runtime.dat file. If there is no such folder, it may be because you have renamed your Quicken file at some point. In that case, search the Inet folder to find the runtime.dat file that has a time and date that matches your recent OSU. For me the folder is QDATA, which is (or was 25 years ago) the default Quicken file name.
Once you have found the correct runtime.dat file, rename it to runtime-old.dat or something similar. Quicken will create a new runtime.dat to replace the damaged one.
Restart Quicken and do another OSU. Now the detailed results should be displayed.

Good luck! Please let us know if you were able to find the correct runtime.dat file and if renaming it fixed the problem.

BC Meyer

Cannot access Vanguard today thru Quicken Windows Classsic to OSU or setup new Vanguard account. I can thru my browser go direct w/o issue. Therefore there is a link failure between Quicken and Vanguard, Please let us know when this gets fixed. Thanks!!

Boatnmaniac

https://community.quicken.com/discussion/comment/20477438#Comment_20477438

Sorry, I should have provided more commentary in my earlier post.

It is not unusual for a financial institution to cut off all connections to all Quicken products as they attempt fix a connection product for one Quicken product. In the QMac Announcement it says that the new connection method issue affects only QMac but the first thing that came to my mind when I read it was "I wonder how long it will be before QWin is impacted?".

OL-293/294/295 error codes often indicate that the financial institution has blocked QWin DC connections. And it has occurred at the same time that the new QMac connection issues have been encountered. Coincidence? IMHO, not so much.

If you have not already done so you might want read the Support Articles for these error codes. While there are other possible causes for these error codes, to me it seems like Vanguard blocking Quicken is the most plausible one.:

Hopefully soon the Announcement will be updated to include QWin or a new Alert regarding QWin will be posted.

frk199

Not able to update any Vanguard Accts. Get a OL-295-A error message. Worked fine a few days ago. When will it be corrected?

JohnJ2021

Same here. Contacted Vanguard. They are clueless.

JohnJ2021

I’m also getting OL-295-A on windows 11 with classic Quicken.ContactedVanguardbuttheyarenohelp.

Gary Novak

I am having the same issue wit an ol-295a response since yesterday around 6:00pm. Actually had an issue the day before where I did not receive an error message but the balances did not update> this was the evening of 2/19. By 2/20 early morning the balances updated w/o an error message.

Nicholasdb

I'm also getting OL-295-A on windows 11 with classic Quicken. Your financial institution has rejected this transaction, contact your financial institution.

Salvelinus

When trying to update Vanguard in Quicken Classic Premier for Windows I receive error message OL-295-A. This began yesterday (February 20) and continues today. Process has worked well for years until now.

Toasties

Same issue for me this morning 2/21. I doubt it is Vanguard…

govindanck

I am using Quicken for Windows version R61.2, build 27.1.61.2. While trying to download transactions from Vanguard brokerage accounts anOL-295-A message that states “your financial institution has rejected this transaction. Please contact them” is displayed. The issue has been reported for Quicken for Mac but it also happens with Windows 11

hansenb40

Same issue here. I tried to reset the account and reconnect using direct connect and got this error. I was able to import a qfx file and was told there were no knew transactions, which is true.

Jim_Harman

I recommend that we all use Help > Report a problem or click on the link at the top right of the OSU Summary page to send a report to Quicken. The more reports they get, the more attention this issue will get.

Quicken Anja

Hello All,

We apologize for any inconvenience in the meantime! Thank you.

DAF

Yesterdy worked fin, today it's not working, error OL-295-A,Quicken Classic Premier for Windows

Bill Pa

Vanguard on chat tells me I need to contact Quicken. Usual pointing the finger.

alaris3427

Same problem. Cannot connect to Vanguard. Error OL-295-A .

Pookie

I contacted Vanguard, and they say that downloads to third-party portfolio tracking software is not available now, and they hope to have it running in the "near future" but would not give any idea of date or timeframe. They would not say anything more about it.

They did say that I could download transactions directly from the Vanguard site. I see that it will download in .QFX format, which can be imported into Quicken.

JK60

Same problem, OL295-A, unable to download from Vanguard. Started to happen right after loading the most recent Quicken update.

krmartin

I have the same problem. Vanguard is rejecting Quicken requests. Problem has existed for several days now. I sent many error reports to Quicken and received no response. Worked last week. Vanguard is clueless. I've been through Vanguards on-line connect setup several times. Each time they say I'm already setup. I'm running Quicken Classic on Windows. All updates. Everything was working 2 or 3 days ago.

Johnsat

Same problem Quicken Classic for windows. If Vanguard is the problem, still hope Quicken will try to work with them to resolve this.

Chrome.n.Steel

As of 2/21 1:20 EST, Quicken team is aware and working the issue. Always best to check https://community.quicken.com/categories/alerts. I have it bookmarked.