Vanguard - One Step Update - Transactions Missing

Johnweller

This week, when doing my OSU for Vanguard accounts all of the Vanguard accounts updated properly except for one. In the OSU summary detail for this one account, it says 2 transactions downloaded, no new transactions to review, holdings info updated 3/9/25. When going to the account screen to accept transactions, there are no transactions to review (as the detail above would suggest). When I log onto Vanguard there should be 8 new transactions from the last successful update. All other Vanguard accounts downloaded fine, and had holdings updated 4/6/25 according to the OSU update detail. The last time a successful transaction download for this one trouble account was done 3/8/25. There were no error codes. Any ideas on the fix?

Jim_Harman

There are no new transactions to review in Quicken because the OSU summary is showing the results of the last successful download for the problem account, which was on March 9.

Is the problem account one that has been connected to Quicken for many years? If so, it may need to use an old account number when reconnecting, from before Vanguard converted to their current brokerage platform.

Please follow the instructions below without making any changes or shortcuts and let us know if that leads to the transactions downloading properly.

Pay special attention to Step 4, where you open a backup from before the outage to see what account number to use for your problem account.

1. Back up your data file in case something goes wrong.
2. Go to Edit > Preferences > Investments and make sure the "Default to Simple investing for new accounts" box is not checked.
3. 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.
4. 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. You are only using the backup to see what account numbers Quicken was using for Direct Connect before the outage. 
5. 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.
6. Go to the General tab and now you should be able to select Complete mode. Select that.
7. 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.
8. 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.
9. Under How should Quicken connect, select Direct Connect. Click on Next.
10. Provide your Vanguard username and password, and check the Save to Password Vault if that is how you normally operate. Click on Next.
11. 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.
12. 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.
13. Check to make sure any downloaded transactions are going to the correct accounts.