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What's the secret to connecting Discover Card that's migrated to Capital One?

Tom Young

QWin R67.10

My file has two Discover Cards, each with its own User Name and Password.

I stopped downloading in both cards and then deleted the Financial Institution and Account Number fields.

Now, using either the "Set up Now" process or "Add Account" process and signing into Capital One, the result always is:

I end up in a browser window with an "HTTP Status 400 – Bad Request" error, and returning to Quicken, I'm staring at the spinning wheel of Quicken attempting to sign into Capital One, even though I did sign in!

Trying to connect again, I'm told:

But Quicken doesn't believe that, since downloading into either Account simply isn't working; there's no Financial institution or Account Number in the Online Services tab.

What's the secret here?

ADDED: Clicking on one of the Account's gearwheel (Actions), I see something new to me, "Set up transaction download." So I tried that, too. With the same results of "no joy."

[Edited - Removed partial account number]

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Joe Snodgrass

Capital One seems to have limited Quicken support. Searching for Quicken in their help section of their online portal finds nothing. However, after MUCH searching around my recently migrated Discover card (which migrated without a hitch), which has some recent transactions I wanted to manually pull into Quicken while a more elegant solution gets worked out between Quicken and Capital One, I had some success. Only by searching globally in the Capital One portal for options to download transactions was I able to create a custom date range starting from the day after the most recent automated one the day before the migration happened, and ending today. I WAS offered "Which format would you like?" and QFX was supported. Manually downloading the QFX file and dragging it into my already open Discover card history Quicken for Mac application actually worked after one automatic Quicken prompt "Add to Discover (matching name)?".

@Tom Young , The 400 error in this case is typically related to stale browser cookies and cache where many users have reported that clearing the cookies and cache resolved the error. Hopefully it is the same simple solution in your case.

I have successfully reconnected the Discover card via CapitalOne. When I deactivated it, I only deleted the FI name, but kept the account number intact which was XXXX1234 (four Xs and last four of the acc #). That allowed the new connection to immediately find and establish the link.

ADDED clicking on one of the Account's gearwheel (Actions) I see something new to me, "Set up transaction download.

Humm, I don't have that! I am guessing that the 400 error caused some incomplete connection in your case.

If it were me, I would deactivate that account again, delete the FI field to make it blank but add back the account number as it was (XXXX3254 in your case based on your image). Then clear all the browser cookies and cache (I know this causes short-term pain). Next do an "Add Account", select CapitalOne, authorize and link them.

ADDING: Another thing to try would be to go to Capital One and revoke the Quicken sharing, BEFORE establishing the Quicken connection.

Tom Young

Unfortunately, clearing the cookies and cache - at both sites - did not change the results using either the Set up now or Add Account paths.

Here's that new action that showed up in the Accounts:

And I'm assuming the correct FI to use in the setup is "Capital One Card Services?"

I did run back through the setup process in both Accounts and deactivated 3rd party sharing before attempting to connect again.

Oddly enough deactivating sharing works, even though I get the same browser window with an "HTTP Status 400 – Bad Request" error, and returning to Quicken I'm staring at the spinning wheel of Quicken trying to sign in.

markus1957

I got myself into a partially disconnected state with my Discover card account in Quicken by using Reset account while the website was down. I might have gotten that same 400 error, but I know the spinning wheel was there when I tried to connect to Capital One.

What I found was that my Discover account details said I was disconnected and ready to set up but when I used the Easter Egg in Online Center (Shift+Ctrl+F3 while clicking the "C" in Contact Info). to view my FI table, I found Discover still listed as connected. I tried to delete the Discover FI listing, but it refused saying an account was still connected.

If both your Discover Accounts are disconnected, I would check to see if Discover is still listed in the hidden FI connection table. It should not be if no Discover accounts are active in the data file. If it is listed, try to delete it and you will likely find it will refuse. A file in that state is corrupted and the account(s) affected can't be recovered unless extraordinary actions are taken. I first tried to move all transactions to a new account and delete the old account but that was a disaster.

I ended up restoring from a backup that was a few days old. A bit of a pain but after restoring, I immediately deactivated the Discover account and checked the Easter Egg status. Discover was not there as expected. I was then able to use Tools>Add Account to connect to Capital One.

The other way that probably would have worked would have been to use the Copy Template approach to create a new file, set up all my FI accounts again, and abandon the old file. The restore from backup was less work in my case.

Tom Young

Well, let's see here.

The first thing I tried was to use my browser to log into the Discover Card site using my original two logins. Both came back with

I then opened the Online Center and saw that the visible list of FIs was correct for the Accounts in the file that were connected. There was no Discover Card listed.

Using the Easter egg to see the invisible, list Discover Card was there:

Attempting to delete it worked:

and it's no longer there.

Tom Young

Turns out that Firefox was the problem. Switching over to Edge as the default browser allowed things to work.

Turns out that Firefox was the problem. Switching over to Edge as the default browser allowed things to work.

Interesting! I don't even have Edge installed. I use Firefox and Brave browsers, FF being the default. I wonder if some blocking extension on Firefox was the culprit. Glad you resolved it.

Tom Young

Thanks for getting me started on the right path. It took a while before it dawned on my that the browser might be the problem.