CC-503 error, account reset does not work, QFX file import doesn't either

Question

Hi.  A small credit union I've been accessing via One Step Update from Quicken Windows for well over a decade stopped working properly a couple of months ago.    I've tried resetting the password vault as instructed but get the "no longer need to enter your financial institution password…" message.   I then reset the Online Status of the account, but just get the same problems again.  No problem logging into the credit union site with the credentials I'm using.   When I try the QFX import plan, I get what appears to be a correct file from the credit union, but importing it tells me "no transactions" in spite of the fact that there are seven month's worth there (manually entered), none cleared, and it just does not seem to want to match any of them.

I can successfully load that QFX file into a complete new account and see the transactions there.   Is there any way to merge the new and old accounts?  Or any other way to solve or work around the problem, ideally one that would make One Step Update work again?

jk5711 · Accepted Answer

Anja,

Thanks.  First of all, I went through the password reset, account online deactivated, and reactivate/ reconnect procedure outlined in the first support article you cited.  More than once, but with no noticeable effect.  What I didn't realize was that the account had to be deactivated from automatic downloads before trying to import a QFX file.    Unless my memory has gotten much worse than I think, that restriction is a new "feature" — I had some problems a few years ago with an account that had gotten out of sync and am quite sure I was able to download a block of transactions without first deactivating its online access.    FWIW, it seems to me that you could do your users a service in situations like that by putting up some sort of warning message rather than automatically creating a new account and making up a name for it.

Once I did the deactivation and tried to import the QFX file again, I got a popup (screenshot attached) asking if I wanted to activate one step update instead.  That is confusing It would be better if it were presented as a warning message but, this way, it runs into a principle of UX design that a colleague described many years ago as "just do what I told you <rude word>".   So I had to select "no…", close the popup, and try the import once again.   That time it worked, but the system then proceeded to walk me through the one step update activation process, which apparently did work too although I wasn't sure I was ready to try that again.

So, thanks to your help, problem solved but I am concerned about how Quicken seems to be evolving.  And, btw, your exposing the name of my financial institution in a public forum is one of many things that gives me pause about your latest "let Quicken keep all of your data" offering.

thanks again.

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