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Capital One Transaction Download Issue

John Robinson

For about a month, my Capital One credit card account has not been downloading transactions into Quicken. When I do a One Step Update or just update that account separately, it says that it was successful, but no transactions were downloaded.

I attempted to reset the account. It brought up the screen that tells you it uses Intuit to connect, and I hit "Continue." It goes to the normal screen stating that "Capital One Card Services needs you to authorize your accounts." I click the "Sign In" button, and it immediately rolls to a screen that says the Sign In failed due to a timeout or connection error. It never actually tries and does the same thing, no matter how many times I press the "sign in" button. Note - the internet is fine. Have no issue with anything else. Not using a VPN or anything. After this issue, it made me cancel, and transaction download was no longer set up at all. When I try to "set up transaction download," it repeats this over and over, not even attempting to sign in, and says there is a connection error.

Next, I tried to "create" a new account at Capital One. This time, it signs into Capital One, gives me the screen telling me what type of data is collected… I choose my credit card account and it says that it is already authorized. I still click the authorize button. The first time it showed matching to my existing account and said it was authorized. Another try later, and it is giving me an HTTP Status 400 - Bad Request error. It is still not set up for transaction download. Set Up Transaction Download is still a menu option and it is not downloading transactions. I do get an email from Capital One stating that "you linked Quicken to your Capital One account."

I am only using Quicken on one computer and have not used any backups.

[Edited Readability]

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Quicken Laura

Hi @John Robinson,

Thank you for reaching out. I’m sorry to hear you’ve been having trouble with the Capital One Card Services connection. I’ve checked your account, and as you mentioned, it appears disconnected and isn’t showing any recent error messages.

Please follow the steps below to reconnect the account:

Step 1: Ensure the account is fully disconnected

Go to Tools > Account List.
In the Account List, select the account and click Edit.
In the Account Details window, open the Online Services tab. If you see the Set Up now option, the account is disconnected.
Log in to your bank’s website and revoke Quicken’s third-party access (if applicable).

Step 2: Clear browser cookies (for Google Chrome)

Click the three-dot menu in the upper-right corner of the browser.
Select Delete browsing data.
Check Cookies and other site data.
Set the time range to Last 24 hours.
Click Delete data.

Once completed, please follow the reactivation steps.

Step 3: Reactivate and link the accounts

Go to Tools > Add Account.
Search for and select the Financial Institution.
If prompted, choose the appropriate connection method.
Follow the on-screen instructions to sign in.
When the list of found accounts appears, make sure to select Link to connect them to your existing accounts (do not choose Add, as that would create duplicates).

Please let me know how it goes. I’ll be happy to assist further if needed!

John Robinson

Hi Laura. I went through the entire procedure, and everything worked as expected. Account was already disconnected. I went to the Capital One website and removed access that was shown for both Quicken and Intuit. I also cleared the cache. After everything was supposed to be hooked back up again, I checked, and "Set Up Transaction Download" was still a menu choice. When I click on it it says that "Capital One Card Service needs you to authorize your accounts."

In following the procedure you presented, it said that "Your accounts have been authorized successfully!" but Quicken is not recognizing it. I am back on the loop now, where it says that the sign failed due to a timeout error.

[Edited Readability]

Quicken Laura

@John Robinson,

Thank you for trying those steps and sharing the results. Could you please let me know which web browser is set as your default?

If you are using Chrome, please temporarily set a different browser as the default, then try again.

John Robinson

Laura,

Set a different default web browser, as I do use Chrome. Tried it with both Safari and DuckDuckGo. Same exact results. Once it authorizes and shows the correct account to match, it does not set it up for transaction download.

Quicken Laura

Hi @John Robinson,

Thank you for following all the steps provided. I’m sorry to hear the issue is still occurring. I’ve checked your account on our end and didn’t find any error messages, but it’s clear that it’s not connecting properly.

I recommend contacting Quicken Support directly for further assistance, as they can walk you through troubleshooting steps in real-time and escalate the situation as needed. The Quicken Support phone number can be found through this link here. Phone support is available from 5:00 am PT to 5:00 pm PT, Monday through Friday.

I apologize that I couldn’t resolve this for you directly, but please don’t hesitate to reach out if you have any additional questions.

Terry Li

I have went through all the step outlined above and continue to have the same issue. Anyone else have an answer? Thanks!

Quicken Laura

Hi @Terry Li,

Thank you for reaching out. Could you please clarify which issue you’re experiencing?

Are you encountering an HTTP Status 400 – Bad Request error when attempting to connect to your Capital One accounts?
Are you seeing a timeout error after successfully authorizing your accounts?
Or is Quicken failing to connect after you’ve already authorized and matched your accounts correctly?

Any additional details you can provide will help us assist you more effectively.

Thank you!

jimfox3

I get the HTTP Status 400 - Bad request after reauthorizing Quicken with Capital One. Everything seems to be communicating except for the update. This is the only bank out of four that has this proble, It just started recently.

Quicken Laura

Hi @jimfox3,

Thank you for reaching out and for sharing what you’re experiencing.

If you haven’t already, please start by clearing your browser’s cache and cookies, using the steps provided earlier.

https://community.quicken.com/discussion/comment/20548204#Comment_20548204

Once that’s done, please proceed with the following:

1. Deactivate the affected accounts

Select the Tools menu and select Account List....
In the Account List, select the account you want to deactivate, and then click Edit.
In the Account Details window, click the Online Services tab.
Click Deactivate next to the service you want to disable.
Click Yes to the message confirming if you want to disable this service.
Repeat these steps for each affected account.
Log in to your bank’s website and revoke Quicken’s third-party access (if applicable).

2. Reactivate and relink the accounts

Go to Tools> Add account
Select the bank for the deactivated account(s). If prompted, select the connection method.
Enter your credentials and click Connect.
When the list of located accounts appears, choose LINK next to each account you want to reactivate (do not choose Add, as that would create duplicates).
Click Next then Done on the last prompt.

Please let me know how it goes!

Scotty5940

I have the same issue with my Capital One checking account. I use Chrome as my browser. I have followed all of the steps recommended (disconnecting account download from online service and from Capital One, going to Chrome, clearing the cookies/cache, resetting the account, adding access in Capital one) without success. My Capital One Account does not show an error, just the transactions don't download. My other Capital One account (savings) works fine.

Quicken Laura

Hi @Scotty5940,

Thank you for joining this thread.

There are several things we can check to help find the source of the issue.

Is this the first time this has happened?

If this is the first time this has happened, or has only happened once, one of the scenarios below is likely the cause:

Has the sort order been changed in your account register? Confirm that the Sort Order in your account register is by Date. If it is not, click on the top of the Date column in your account register. Your missing transactions could be in your register, just not where you thought they would be.
Do you have any filters set? Click the Clear Filters button to the right of the account register’s filter dropdowns. This will confirm that there is no filtering in your account register.
Are your missing transactions over 90 days old? Transaction download is typically limited to the last 90 to 200 days, depending on the financial institution. If you need transaction history that was not included in your initial download, you have the option to import transactions using Web Connect. For more information on Web Connect, click here.
Are these transactions still marked as "pending" on your bank's website? Even though the pending transaction is authorized and displayed on your bank’s website, most banks will not allow transactional history to be downloaded unless the transactions are cleared.
Are you using Web Connect? Some banks will only allow you to download transaction history to Quicken after the statement close date of that account. This means that you will not see any new transactions until the statement closes.
Was the missing transaction incorrectly matched to another transaction in the register? This is common with repeating payments made to the same payee for the same amount.
Have you deleted transactions recently? You may have deleted the transaction in error. Downloaded transactions cannot be redownloaded and would have to be added manually.
Was the transaction moved from one account register to another? Click on All Transactions above the account list. If you find the transaction(s) that you are looking for are in another account, click and drag the missing transaction(s) to the correct account in the account list.
Did you restore an older backup file after downloading transactions? Opening an older backup file will only show transactions updated to the last time that backup file was accessed, which may have been before those missing transactions were downloaded. If you believe this to be the case, update your account on your backup file.

If this issue occurs frequently

Be sure to follow these steps in order:
In the affected account, click the Settings icon in the bottom right corner of the screen. Go to the Downloads tab and, under Transaction Downloads, confirm Download all available transactions is enabled.

Refresh your online account information by clicking on the Update Icon, located on the upper left-hand side of Quicken. Follow any on-screen instructions to complete the account update.
Confirm that the Sort Order in your account is by Date; just click the top of the Date column in your account register. It's possible the transactions are in your register, but not where you thought they'd be.

Click the Clear Filters button to the right of the account register’s filter dropdowns. This will confirm that there is no filtering in your account register.
Click Columns in the bottom right of the register, then check the Statement Payee box. This will allow you to search for the downloaded Payee name to confirm that a transaction was not renamed unexpectedly.
Go to Accounts > Hide and Show Accounts…. You can confirm if missing transactions have been downloaded into a hidden account by unchecking the Hide In Lists box next to the account that is marked as hidden.

If you need further assistance

If the issue isn't resolved and this is not a one-time event, please reach out to Quicken Support.

Direct Connect accounts: Please note, only the financial institution can create any necessary escalation to their online banking support team to resolve missing transactions. We do not have the access to the bank's servers needed to determine why certain transactions are not being presented.

Please feel free to reach out if you have additional questions.