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Unable to Download Transactions from Vanguard Sunday Nov 8 - OL-295-A [Edited]

JPW

Get the following message:

During the last online session, Quicken encountered an online error [OL-295-A].

What does that mean?

Your transaction was rejected because your financial institution's server is not accepting requests at this time. Try again later, or contact your financial institution for more information.

What do I do now?

Wait and try again later

Try updating your account the next business day. If the problem persists, contact Vanguard at 1-888-285-4563 for more information and assistance with this issue.

Visit the Quicken Support website for FAQs and to contact support

Find more posts tagged with

Online Banking

Windows

Direct Connect

Comments

NotAFinanceWhiz

I have same OL 295 A which started on Sunday November 8 with my Quicken R69.53 version. Has worked daily prior to Nov 8. Have backups prior to that problem date. Tried to reset (deactivate activate) but that resulted in a hung situation with an error message box that was empty, more info button that did not work. Had to quicken task after letting it sit for 30 minutes of it not doing anything. restarted quicken delete that account successfully attempted to add it back but got OL 295 A as it tried to connect to Vanguard. Advise when this Quicken issue is fixed.

quicken user too

I am also having the same problem, only with my Vanguard accounts.

Using R69.53, build 27.1.69.53

I tried to deactivate online downloads and reactivate them for my Vanguard accounts. I was able to deactivate the downloads but when I try to reactivate the online download service, I get the same error as you.

I've been trying for days.

Error Information

What happened?

During the last online session, Quicken encountered an online error [OL-295-A].

What does that mean?

Your transaction was rejected because your financial institution's server is not accepting requests at this time. Try again later, or contact your financial institution for more information.

What do I do now?

Wait and try again later

Try updating your account the next business day. If the problem persists, contact Vanguard at 1-888-285-4563 for more information and assistance with this issue.

Visit the Quicken Support website for FAQs and to contact support.

habj1

Chiming in same for me. Since Sunday the 8th. Have to download manually via VG. Very Frustrating.

Darrell P

I dropped from R70.20 to R69.53 like many of us have done. I do see some changes happening with Vanguard, but I checked the Quicken OFX log and noticed it has changed from having my Userid in the request to <USERID>anonymous00000000000000000000000 and a lot is missing from the sent data compared to one that worked several days ago.

The connection log then indicates a problem calling the https://services.quicken.com/ofx-secure-plus/15103 endpoint. The log shows a "We re sorry, but the application could not find an item on the server that it needs. Try again now, or wait and try later" error. The handshake between the app and the Quicken backend seems to have gone awry.https://services.quicken.com/ofx-secure-plus/15103

cooper4048

Same issue. Got same response from Vanguard as poster above. Getting worrisome how many issues we are seeing lately with Quicken updates. Still dealing with split category problem in registers, now this. Do better, Quicken.

tzina

Having the same problem since Sunday!!! Same crash with the weird popup box when trying to reset.

CarpeDM

Adding my me-too. This is [Removed - Language]. Quicken should roll us all back automatically.

Pakchap

I can not download any transactions from Vanguard. Showing OL-295-A.

What does this mean / Anyone else having this problem ? Thanks

BruceLull

Still broken as of today. Very long time user who has seen this break before. The silence about the problem seems deafening

James J

Downloads from Vanguard also did not work for me today. The last time it worked was probably about 7 to 10 days ago.

ivan6164

Adding my voice to the choir. Like everyone else, I've been getting the OL-295-A when attempting to download from Vanguard since Sunday, November 8.

Quicken James

Hello all,

Thank you for letting us know that you are experiencing the same error. We are aware that there is an issue with Vangurad, and everyone is getting OL-295-A.

This issue has been escalated to our escalation team, and they are currently working on a resolution. We do not currently have an ETA for a resolution. Once we have more information to share, we will add updates to the Community Alert for this problem. Be sure to bookmark the alert to be notified of any updates we share.

We apologize for the inconvenience and appreciate your patience.

Paulie

I cant connect to Vanguard, dont get an error message until I try to reset the connection. Using Quickens Deluxe Classic for Windows. Windows 11

chilemike

Since Friday Nov 6 more or less I am getting an OL-295-A error code. I deactivate account, and try to reconnect, and I get an error that Vanguard is rejecting my inquiry. I called Vanguard; they have no idea of any problems and supposedly have not made any changes to security for 3rd party access. Referred me back to Quicken for resolution

pmobri

has there been any progress on this issue?

unknown

This content has been removed.

soccerCoffeeMom

I have been getting the same error for the last 3 days when trying to download Vanguard transactions. I've tried the troubleshooting steps and they have not helped. I tried deactivating/activating and a I get the same blank dialog pop up others are seeing.

yellowDogg

yup, same hear as all of the above

jparks7206@gmail.com

Same error this morning. All points to Quicken and it has been very slow to respond.

lemme14

Same issue here. This needs to be a Quicken priority and fixed now. Unacceptable it has been down this long.

don77

Ditto OL-295 error. Been occurring since Saturday 11/07/2026. Windows 11; Quicken R69.53 (Build 21.1.69.53). When this started, I was also getting a "new version of Quicken" notification, but when attempting update, it said I had the latest version. That lasted for a couple of days. Not sure if it is related.

I see that there are a couple of Community Notes saying Quicken is aware of the problem. At this point, it would be nice to know:

general cause (Quicken side, Vanguard side, etc)
what is being done
an estimate of when the problem will be rectified

Janet19

Quicken Support: This error downloading from Vanguard is a massive issue that is causing great consternation for so many long-term Quicken users. It needs to be ESCALATED. Please alert your Chief Product Officer, Kristen Dillard, and Jeff Parker (Product Strategy and Design) to increase the Severity Level of the bug and prioritize the fix. Also, please ask them to update the Community Alert today. Thank you. [Edited-Readability]

https://community.quicken.com/discussion/7977665/new-11-09-26-vanguard-ofx-16503-ol-295-using-direct-connect

Janet19

Note: I see this exact error was a problem in February of 2025. Hope this helps, Vanguard!

https://community.quicken.com/discussion/7960264/quicken-classic-for-win-ol-295-a-errors-at-vanguard

sol65

As a workaround one can download a QFX file from "Activity" on Vanguard and include transactions from whichever accounts you choose within Vanguard. Then import the QFX file into Quicken and the transactions will all appear downloaded in the proper accounts within Quicken.

GermanBlueRam

Yes, that a is useful workaround - thanks for the reminder. Just be sure to specify the desired date range or you will get older transactions from before the outage.

Curious in TX

I have had the same issue since Sunday. I can understand that there can be problems with connectivity to financial institutions, but what really bothers me is the slow to almost no response from Quicken. As soon as Quicken knows about a problem they need to inform their customers (we get the almost worthless updates from their CEO once in a while but hear nothing when an issue really impacts the users). This is not the first such an issue occurred. [Removed-Disruptive]

GaryR

I received a response from my Vanguard Representative yesterday. Vanguard is aware of the issue, and it is ON THE VANGUARD side, they are working on it.

javasteve

I'm getting OL-290-B on 3 different accounts.

brockmari

This same issue occurred in Feb 2025 when Vanguard rolled out a significant update to their website. As i recall it took weeks to resolve. At this time Vanguard is preparing to release another major update to their site, as I am reminded each time I log into my account. So it is not a coincidence that the direct connect issue has recurred.

I am resisting the workaround to download the QFX file because I know from the last time that once the direct connect is fixed all of the transactions from the date of the initial problem will get duplicated upon reconnect and create a mess in my Quicken file that will take hours to clean up. I wish that Vanguard would just leave things be.

It is Vanguard who should receive the strongest encouragement to priotize the fix. The fact that there are no updates in the community alert

https://community.quicken.com/discussion/7977665/new-11-09-26-vanguard-ofx-16503-ol-295-using-direct-connect

tells me that Quicken is still awating update from Vanguard.

Quicken James

Hello @javasteve,

Thank you for sharing your experience.

We have another known issue with users getting the OL-290-B with multiple Financial Institutions. You can find more information in this Community Alert. If you follow the steps to revert to R69.53, you should be able to update your accounts.

That said, if your accounts are only with Vanguard, reverting will give you the same error everyone in this post is getting: OL-295-A. If you have accounts with different financial institutions, reverting will help resolve those connections.

For the error OL-295-A, you can follow this Community Alert for updates. We post updates as soon as we receive them.

I hope this helps.

Txbabs

Here's the link to the community message:

https://community.quicken.com/discussion/7977665/new-11-09-26-vanguard-ofx-16503-ol-295-using-direct-connect

Totoro

Mac user here. Can report I have the same unresolved issue.

Bob_L

Well now my vanguard app and web page both do not allow me to log on! Called and confirmed that they are having problems with both the app and web AND with Quicken. Hard to believe!

Charlie@

My Vanguard account has received the OL-295 error for 2 days trying to update transactions. Not knowing about any Vanguard issues, I decided to try an account reset. Quicken tried to communicate with Vanguard for about 1 second and then displayed the following blank window. Every button (including the "X") was disabled and I was not even able to close Quicken. I had to resort to using the task manager to close the program. I now understand there is a Vanguard issue but that should not cause such a severe Quicken issue! Quicken Classic Deluxe R69.53.

Snorkle

For me the Vanguard app appears to be working and I can login to the web site and see only my holdings.