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Downloading from American Express

David36

I'm really tired of this. For a couple of years now, almost every time I use Quicken, one of my two American Express accounts (I have a credit card and a HYSA) won't sync and tells me that I have to reset my account…. again and again and again. I've opened up multiple tickets, but never received a response.

Sometimes, I've even had to resort to just downloading the transactions into a QFX file and then importing them manually. Today, the system won't let me reset my account via the account sync screen, so I went into the account itself and reset it. It then said that it downloaded the transactions, but nothing was updated. I resorted to using the QFX file, but now that doesn't even work.

The sad thing is, I've seen many other people that have been complaining about the exact same thing for a very long time but have yet to see a real fix.

🤬

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Comments

Quicken Laura

Hi @David36,

Thank you for reaching out and sharing what you’re experiencing. I’m sorry to hear that you’ve been dealing with this issue for such a long time.

I checked your accounts on our end and found that, as far as I can tell, most of them are still connected to an older American Express instance in Quicken: zzz-American Express - Banking.

A newer connection is available that you can use to reconnect your accounts. Before doing so, create a backup of your Quicken data file, then deactivate all affected accounts, including any older accounts still connected to zzz-American Express - Banking.

Deactivate account:

Select Tools > Account List.
Select Show Hidden Accounts in the bottom-left corner.

In the Account List, select Options > Show Financial Institution.

Locate the accounts connected to zzz-American Express - Banking, then select 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.
Revoke Quicken’s third-party access from your account on the FI website.

Reactivate account:

Go to Tools > Add Account.
Search for and select your financial institution.

If prompted, choose the appropriate connection method.
Follow the on-screen instructions.
When the list of found accounts appears, be sure to select Link to connect them to your existing accounts (do not add duplicates).

I hope this helps resolve the issue. If you continue to see the error after reconnecting the accounts, please let me know what happens.

David36

I just completed the steps above, but I still have the same problem. It linked up fine, but when it went to download the transactions, it said that it did, but no new transactions show up within Quicken.

I might be looking in the wrong place on the Amex website, but according to them, even after I've setup the connection again, it says:

And please remember that the same login is used for the credit card. Usually one of the accounts work and the other doesn't. Today, it's the HYSA, but tomorrow, it could be the credit card account. It's just random.

Quicken Laura

Thanks for following the steps provided. Could you please provide the Connection Method and Financial Institution displayed in the Account Details window for both affected accounts?

You can find this information by following these steps:

Open an account.
Click on the Gear icon in the upper right corner.
Click on Edit account details.
Select Online Services.
The connection method is below the Financial Institution.

I look forward to your response.

Sceptic

@David36 @Quicken Laura just for reference, I also have both an American Express credit card and an American Express High Yield Savings Account (HYSA). I have a different sign on and password for each account. The connections with FI= "American Express" and connection method = Express Web Connect+ (EWC+) with Quicken work without issues.

Also checked both online accounts with American Express and they show Quicken with third party access.

Quicken Laura

Hi @Sceptic,

Thank you for sharing this information with us. It’s very helpful!

@David36, could you please confirm the Financial Institution and Connection Method for the affected account by following the steps provided above?

I’ll keep an eye out for your update. Thank you!

David36

As you can see, it's the Express Web Connect+

Quicken Laura

Thank you for the screenshot @David36,

The zzz-American Express - Banking instance shown in the screenshot is the old connection that needs to be disabled. This will allow you to reconnect the account using the correct connection method.

Please try the following:

First, disconnect the account by following the steps provided above.
In the account list, locate the account(s) currently associated with zzz-American Express - Banking.
Select Edit for the affected account.
In the General tab, remove zzz-American Express - Banking from the Financial Institution field.

Once this has been removed, follow the reconnect account steps provided above.

Please let me know how it goes. If you encounter any issues along the way, feel free to let me know.

David36

I understand that - which is what I had done before when I disconnected the Financial Institution from the account. Per your instructions, I've now done it again. (Note that this is the same procedure that I've done dozens of times before.)

As you can see now that I've disconnected it, the screen shows:

And after I set it up again, it shows:

After this, I asked it to update that account and it shows that it did:

However, it's still not updating.

Additionally, I did check AmEx's website for Third Party Access and it now says:

Sceptic

@David36 are the transactions downloading, but you just do not see the OSU Summary? Or did you confirm that the transactions are not downloading as well? Is this happening for both American Express accounts or just one or the other?

Also, are you still not able to see the third party access authorizations for either account?

David36

No, they're not downloading. They aren't showing up in the account and if I try to import them from the QFX file, it still says Quicken can't verify the financial institution for the download.

I don't have any transactions to download on the second AmEx account. However, when I do a full sync, that account doesn't show up in the list of synced accounts - even if there are zero transactions.

Sceptic

@David36 do both accounts have the same signon and password? If so, have you tried connecting only one of the accounts and see if that results in a complete connection, with the online American Express account showing third party access for Quicken?

Sceptic

@David36 I forgot to mention that the QFX file for the HYSA hasn't worked for years. From what I can see, it has formatting issues and the coding needs to be updated.

David36

AmEx merged the logons quite a while ago, so I only use the one login. When I try to sync all accounts, neither AmEx is listed anymore in summary. If I'm only in the HYSA account and tell it to sync, there's no error message, just no downloaded transactions.

Sceptic

Then, what I would do is deactivate both accounts and only activate the credit card account with the Financial Institution = American Express. Then verify that a complete connection has been made, including third party access for Quicken in your online account.

Sceptic

@David36 if the credit card account fully connects successfully, then try adding the HYSA and see if it will allow to get to the account screen to add it.