AMEX Delegate Accounts Always Prompt for Code

jtemplin

Very recently (within the last week), both my American Express - Delegate accounts are prompting for a 2FA code every time I download transactions (I download once per day).

Is this a bug? Anyone else seeing this?

Quicken Classic on Windows

Lance W.

I too saw this problem back in July. I was never able to resolve it and it continues to occur on both Windows and Mac. I now manually download her transactions from AMEX at the end of the month. I will follow this thread and see if you make any progress. Good Luck.

https://community.quicken.com/discussion/7964498/american-express-delegate-no-longer-saving-authorizations

Quicken Anja

Hello @jtemplin & @Lance W.,

Thanks for reaching out!

Some financial institutions have recently updated their security, which can cause Quicken users to see MFA (Multi-Factor Authentication) prompts more frequently than before.

In the case of American Express, the MFA prompt for each online account update is working as designed and is part of the security process they have put in place. We understand this can feel inconvenient, but it is intended to ensure account safety.

Thank you!

Lance W.

Prompting for MFA every day is a broken process, not inconvenient. Why is it only the Delegate and not the other accounts?

jtemplin

@Lance W. "Prompting for MFA every day is a broken process"

I agree. Because I download my delegate account transactions daily into my Quicken instance, I can monitor fraudulent transactions. I used to be able to download without needing access to the MFA devices owned by those delegate accounts. Now, each time I want to do a download, I have to, for example, chase my spouse down to get the MFA code sent to them. Changing the MFA device on their account to one I own isn't a solution. Because of the added hassle, I'll download less frequently which conflicts with wanting to monitor fraud sooner.

I fear this is becoming a trend. Space Coast Credit Union very recently began prompting for MFA every download. <sarcasm on> I imagine this is one of the "benefits" of EWC+ <sarcasm off>. Prompt once a month, sure, but every day?

Quicken Anja

Thank you both for following up!

I understand your concerns. We did receive confirmation from American Express in the past that this MFA prompt was expected behavior as part of their security process. That said, it’s possible their requirements may have changed since then, and only American Express would be able to confirm whether that is still the case today.

If you believe this should no longer be happening and would like to troubleshoot, we recommend deactivating and reactivating the affected accounts in Quicken to see if the behavior changes.

Thank you!