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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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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

Jim_Harman

FYI, even though Quicken still can't connect to Vanguard, it somehow updated my account balances correctly. So, it uses a different method to update account balances apparently.

Share prices for publicly traded securities are updated by Quicken's quote provider when you update quotes. This is independent of the connection to Vanguard. Thus you Vanguard account balances will still be up to date as long as there were no transactions that affected the share balances.

Patrick T Williams

Jim, thanks for the info.

mbrown0812

I too am unable to connect to my Vanguard accounts and I am running Quicken classic for windows

nmestanas

Done yesterday.

https://community.quicken.com/discussion/7960293/new-2-21-25-vanguard-ol-295-a-and-error-16503

CommonSenseEngineer

I came across this thread after dealing with the same issue for several days. It's great to see that both Quicken and Vanguard recognize the problem. As an IT professional, I understand that these things happen. I'll wait a week or so before trying again.

Carlos G.

I'm having the sameOL-295-A issue with Vanguard. It began earlier this week.

JohnM1940

My OL-295-A problem started Friday/ On Thursday no issue

matthahn

Following.

gnash99

Same issue…following

AllenK

And like so many others, I too cannot download from my Vanguard accounts. So many download problems over the years (TD Bank, American Express, others). Ironically my Quicken subscription expires in 6 days and facing another (is it?) $95 or so "repurchase/renew" and really wish there were other worthy competitors out there, especially when this nonsense occurs.🤬

kmc00

Recently (4 days ago), transaction downloads for (only) Vanguard started failing. I have changed nothing recently other than a Quicken Classic Premier automatic download and update to version R61.20 Build 27.1.61.20 running on Windows 10. All other transaction downloads I do regularly continue to work without issue. I can sign on to my Vanguard account directly using the same userid/pw as I have in Quicken's Password Vault. I've tried:

changing my Vanguard password—and updating the vault, still fails in the same way
running a Validate and Repair with no issues found, still fails in the same way
resetting the account (from the Quicken account details page), still fails in the same way
deactivated online services for Vanguard in Quicken, still fails in the same way on re-activation

Any suggestions?

jlaur_25

So the exact error is…

Your transaction was rejected because your financial institution's server is not accepting requests at this time. Try again later, or contact your financial institution for more information.

so it cannot be a Quicken issue unless it is 'lying' about the error.

tbaker08550

Starting three days ago I can't download anything from my Vanguard accounts. Tried resetting the connection, also tried disconnecting the account and starting online services again from scratch. Nothing works. Is there a known issue here that is affecting everyone? (PS I can log into my Vanguard accounts on the web just fine.)

Dezran

Ditto on all of this.

Started on Wednesday, 02/19/25, I think. Not sure because I don't generally pay much attention to one failed connection. It happens once in a while, but I tried several things that people have already mentioned. Though I didn't delete it and add it back. That never works and always causes a headache.

Plus, I hate having to restore from a backup. During a restore, Quicken ALWAYS loses transactions, changes the opening balance on at least one account (sometimes 2 or 3), or just generally screws up one or more accounts. So, restoring from a backup is never the solution, unless something worse happens.

glenfmarshall

Same error here, starting on 2/21/2005 with Quicken Classic on Windows.

William J

Sorry if this is in the thread already….

You know how banks like Chase open a window from Quicken to allow access?

My guess is this is a feature Vanguard is about to execute.

easteenlaw

My Vanguard accounts didn't update today. Windows 11.

gregnugget

I'm adding on. My update this morning failed!! Error Message OL-295-A ARGHHHHH!!!

shidden

This has been broken for 3 days at least.

gcrueger

Same issue here. Glad it's not just me. Looks like Quicken is trying to get Vanguard to resolve.

ricksmithjr

Same issue, I believe it started 2/20. BTW which file are you viewing the error code in? I can see the text in CONNLOG.TXT: "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." but I don't see "OL-295-A". Thanks.

Loki

As of today, Vanguard will no longer connect with my Quicken Premier program for Windows, either. I tried deactivating the Vanguard Account's Online service but now Vanguard won't reactivate it. No problem accessing my Vanguard accounts via a web browser, just Quicken. No problem with any of my other non-Vanguard accounts linked to Quicken.

Ted Gallagher

https://community.quicken.com/discussion/comment/20477703#Comment_20477703

What I done in the past is export my quicken investment holdings to excel, download a positions file, also in excel, from vanguard and then line them up side by side and eyeball. Can also set up conditional formatting to quickly highlight any differences.

niven

I have the same issue. I also cannot see any link to download a Qfx file, can anyone help with instructions please?

jmurrdog

Unable to connect to Vanguard accounts with Quicken Classic for Windows. No error code generated. Simply says "Sorry. We encountered an error. (It's not your fault.)" This started today for me. Recently updated to Version R61.20 Build 27.1.61.20, Windows 10. Deactivated Online Services and attempted to reactivate….no go.

ZABA

Same thing for days now on all of our Vanguard accounts. Quicken Classic Premier R61.20 / 27.1.61.20.

Boatnmaniac

https://community.quicken.com/discussion/comment/20477807#Comment_20477807

It is at the top of the OSU Summary popup after OSU has completed running. It has also shown up as OL-293-A and OL-294-A.

Quicken Kristina

Hello @jmurrdog,

Thank you for sharing your experience. To clarify, is this happening when trying to add a Vanguard account to Quicken, or when trying to update accounts that are already connected? When you go to Tools>One Step Update Summary, what does that summary show?

There is currently a known issue connecting with Vanguard. It is highly likely that you are impacted by that known issue, even though it's not showing you an error code. For more information on the known issue, please review the alert linked below.

https://community.quicken.com/discussion/7960293/new-2-21-25-vanguard-ol-295-a-and-error-16503

I look forward to your reply!

nerdindenial

I have the same problem on Windows. These accounts have worked for 20 years - but not today.

kleinfelter

The issue just cleared for me. Feb 22, 5 PM PST.

…

And it is back. Feb 23, 8:30 AM PST. Sigh. I had hoped it was fixed.