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Ongoing vanguard connection issue

Papasoz

I use Quicken (9.2) for Mac (Tahoe 26.5.2), with Vanguard using Quicken Connect.

I have four Vanguard accounts:

My IRA
My Roth IRA
Spouse's Roth IRA
Joint Vanguard Cash Plus

All four accounts currently appear under one Vanguard connection in Quicken's Connectivity Status.

However, Vanguard has two separate user logins:

My Vanguard login has access to:
My IRA, My Roth, Joint Cash Plus

My spouse's Vanguard login has access to:
Spouse's Roth, Joint Cash Plus

The problem began after we added the jointly owned Cash Plus account.

When I reconnect/reauthorize using my credentials, my accounts may appear but the spouse's Roth can become disconnected. When I reconnect using my spouse's credentials, the reverse can happen.

There is also an unusual behavior where authenticating with one person's Vanguard credentials sometimes returns accounts belonging to the other person.

Vanguard has confirmed that both logins are correctly configured and has directed us to Quicken for the connectivity problem.

Question: Does Quicken Connect for Mac support a single Vanguard connection containing accounts that require two different Vanguard credentials when one of the accounts (Joint Cash Plus) is shared by both credentials? If so, how should that configuration be represented in Quicken?

I am not asking how to reconnect the accounts. I need to know whether the Vanguard/Quicken Connect aggregation model can correctly handle this ownership/credential arrangement.

Please help

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Accepted answers

Quicken Carlos

Hi @Papasoz,

Thanks for reaching out to the Quicken Community with your post. The detailed explanation is helpful.

If you haven't done this yet, I suggest deactivating all the accounts at this financial institution for both users. Before following any of the troubleshooting steps, I suggest creating a backup file.

To deactivate an account:

Select the account to open its register.
Click the Settings gear icon in the lower-right corner of the register.
Click the Downloads tab.
Click the Disconnect Account button.

Click Done.

Once you deactivate all accounts for both users, I suggest reactivating the accounts using only the primary user for the joint account and keeping it unchecked under the secondary set of credentials. If you are using Quicken Connect, choose "Do not add to Quicken" for the secondary user ID. This will help you avoid a mismatch and prevent you from having to reauthorize the accounts each time you use the other set of credentials.

To reactivate an account:

Select the account to open its register.
Click the Settings gear in the lower-right corner of the register.
Go to the Downloads tab.
Click the Connect Account... button.
Select the financial institution or type in the name to search for it.
Click Continue and complete the flow.
Choose LINK on the screen displayed after Quicken finds the available accounts for your login credentials, and carefully link them to your existing Quicken account(s).

Click Continue.

I hope this helps! Let me know how it goes!

All comments

Quicken Carlos

Hi @Papasoz,

Thanks for reaching out to the Quicken Community with your post. The detailed explanation is helpful.

To deactivate an account:

Select the account to open its register.
Click the Settings gear icon in the lower-right corner of the register.
Click the Downloads tab.
Click the Disconnect Account button.

Click Done.

To reactivate an account:

Select the account to open its register.
Click the Settings gear in the lower-right corner of the register.
Go to the Downloads tab.
Click the Connect Account... button.
Select the financial institution or type in the name to search for it.
Click Continue and complete the flow.
Choose LINK on the screen displayed after Quicken finds the available accounts for your login credentials, and carefully link them to your existing Quicken account(s).

Click Continue.

I hope this helps! Let me know how it goes!

Papasoz

I followed your directions and it worked! One caveat is when I go to connect my spouse's roth, it instead showed the three accounts linked to me. The work around was to start over and it worked. Second caveat is when I go to sign in as spouse on vanguard it shows my name. The work around was to close the bowser and begin again. Thank you so very much for your help, this has been bugging me for months (no pun intended).

Papasoz

Well, it worked for a day. Now it's back behaving as before. The conflict really appears to be two accounts trying to link to the cashplus even though only one is officially linked. I really hope that someone can fix this for good.

Also - sometime the transaction show up for the cashplus account, sometimes they don't. Totally random and regardless of you choose detailed view or not.

Quicken Carlos

Hi @Papasoz,

Thanks for taking the time to update this thread and for following the steps outlined above.

Due to the nature of this issue, I recommend contacting Quicken Support for further assistance. They can guide you through additional troubleshooting steps in real time or escalate the case if necessary.

Phone support is available Monday through Friday, from 5:00 AM PT to 5:00 PM PT.
Chat support is available seven days a week during the same hours.

When contacting Quicken Support, I recommend mentioning the troubleshooting steps you have already taken.

I hope this helps!

Papasoz

I contacted support as suggested. Provided them with all the details of the issue. They are going to "escalate". I hope they can figure this out as I can't be the only person experiencing this issue. Thanks

Papasoz

Support suggested using Direct connect - and it worked !!. I had been using quicken connect. Thanks

Quicken Carlos

Hi @Papasoz,

Thank you for updating this thread. I’m glad to hear that Quicken Support was able to assist you using the Direct Connect method. Your feedback may also be helpful to other users who encounter the same issue.

If you need any further assistance, please don’t hesitate to reach back out.