American Express - Banking downloads STILL NOT FIXED!!

Member ✭✭✭
edited November 2024 in Errors and Troubleshooting (Windows)

This became an issue several months ago. I have two savings accounts through American Express - Banking. Initially, the issue was worked on for weeks and Quicken finally announced it to be resolved. Nope! It's never worked correctly since early July '24.

In the beginning after the "fix", I had an issue such as this: I transfer funds from one of my AMEX -Banking accounts to an external account. The amount would show as being transferred out of BOTH of my AMEX - Banking accounts. I would recognize and simply "delete" the match for the amount in error.

That was bad enough, but as of the past few days, I'm back to not being able to use OSU to download transactions from American Express - Banking AT ALL. AGAIN!!

Back to the "oops" Error.

What is the issue between American Express and Quicken? Holy Crow!😫

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  • Quicken Windows Subscription Member ✭✭

    Yes— first, Express Web Connect + broke, and fell back to plain Express Web Connect, but multi-factor authentication was still working. For the past week, I'm still being prompted to choose my means of getting an authentication code, but can't download transactions, with error message CC-502. This issue was marked "resolved", but it sure wasn't resolved for me. (see

    RESOLVED 9/12/24 American Express-Banking - "We're sorry"/FDP-102/CC-502/FDP-106/CC-506

    Quicken Kristina
  • Member ✭✭✭

    I saw a notification from Quicken Anja two days ago: "RESOLVED 9/12/2024 …" and figured oh good, now I can download transactions from American Express Banking again. Nope! Still not working.

    "Oops! There is a connection problem. CC-502. Quicken can't add this account because the American Express - Banking website is temporarily unavailable. Please try again in a few hours."

    Every time, same result. Weekdays, weekends, day or night. Doesn't work. Still. For months now.

  • Quicken Windows Subscription Member ✭✭✭

    NOT RESOLOVED!

    Still receiving: "There is a connection problem. CC-502. Quicken can't add this account because the American Express - Banking website is temporarily unavailable. Please try again in a few hours."

    If Quicken no longer supports American Express Bank and/or American Express Bank no longer supports Quicken at least have the courtesy to let your customers know.

    I do not have an issue logging into American Express Bank so It is obviously an issue between Quicken and American Express Bank. If Quicken confirms American Express Bank no longer supports Quicken, I will close my American Express Accounts and move to a bank that does, like Discover Bank that I know supports Quicken.

  • Quicken Windows Subscription Moderator mod

    Hello All,

    If you're still encountering this issue after the alert has been marked as resolved, please contact 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. Chat support is available from 5:00 am PT to 5:00 pm PT, 7 days a week.

    I apologize that I could not be of more assistance!  

    Quicken Kristina

    Make sure to sign up for the email digest to see a round up of your top posts.

  • Member ✭✭✭

    OK. Having read the above post by Quicken Kristina, I contacted Quicken support. Worked with Gabriel for over an hour to try to figure out the problem. He first told me that in trying to set up the connection, I should NOT use "American Express - Banking" b/c that was a "workaround" from months ago. He told me to use the first choice, which is simply "American Express". When all was said and done, he told me that there is something on the AMEX banking website that is blocking connectivity to Quicken. I asked if he could elevate that and resolve it. He told me I need to contact AMEX online banking and get it resolved from their end.

    Soooooo … I called AMEX online banking and laid out the issue. That person told me that American Express banking has discontinued using third party software to allow downloads of transactions, and that I should just use the manual method. I asked her to elevate my concern, but I don't believe what she told me. This same thing has been told to me before and I was still able to make connection through Quicken. I think she basically doesn't know what's what.

    So, I once again find I'm in a "do loop". Quicken won't or can't fix the problem, and AMEX won't either.

    I'm giving up at this point. I'll just manually put in transactions into Quicken until something is resolved. The resolution MAY be that I just move my funds to another online bank. Others (like CIT bank) have good connectivity … even if they require a stupid text code for each connection. Better than no connectivity at all.

  • Quicken Windows Subscription Member ✭✭

    Thanks, Doug! You took a bullet for the rest of us. Enjoy your Sunday!

  • Quicken Windows Subscription Member ✭✭

    Totally disgusted with American Express and Quicken, as well. Every time I call Quicken, they want to spend hours with me on the phone and nothing works. Why don't they have a database showing it still is not working. As for American Express, they are totally clueless and blame Quicken. Even the American Express website is poorly created with a navigation system totally challenging. When Quicken charges a hefty yearly support charge, we should get better service. Quicken should not say that the problem is fixed when it isn't! I'm totally disillusioned with both companies. Maybe, we should start contacting our Attorney Generals in each state for poor banking service.

  • Quicken Windows Subscription SuperUser ✭✭✭✭✭

    I'm just wondering …

    If I can logon to the American Express website using my browser and see all my credit cards and my savings account, too, why can't we logon thru Quicken and, with one website access, download all our accounts using One Step Update?

    Why do we need one setup for credit cards and another one for the accounts at American Express National Bank?

    It should be possible to add the savings accounts to the existing authorization and download processes. They're within the same americanexpress.com server farm anyway.

  • Member ✭✭✭

    FWIW, I have been ASSURED by Quicken support that what the lady at AMEX told me is totally false. AMEX has NOT discontinued using third party software (i.e., Quicken) to compile and download transactions.

    I, too, am disillusioned. The good news is that I have very few transactions from my two Amex Hi-Yield savings accounts, so I'll just log on to the website and enter transactions manually into Quicken as a stopgap. The Quicken support guy worked hard to get me connected … including taking over my screen when he figured I was a dummy. (Well, only sometimes!) Anyway, I'll wait for the issue to be resolved and worry about more pressing things in my life!😉

  • Quicken Windows Subscription Member

    Read this: https://www.americanexpress.com/en-us/banking/online-savings/faq/mint-or-quicken/

    image.png

    It is a bloody shame that Quicken charges more and more each year for less and less. After over 20 years of using Quicken, I have to say it is at a low in terms of its real usability for basic functions like downloading transactions directly from banks, etc. How soon will it be before other banks take the same stance as American Express Banking and Quicken becomes totally useless?

  • Member ✭✭✭

    Interestingly, my wife has a personal hi yield savings account with Amex, and she has her own instance of Quicken. I noted yesterday that her transactions from Amex downloaded without issue. She is connected to "American Express - Banking". When I tried to reconnect my account it won't work.

    There is so much "fake news" from both Quicken and Amex that I don't think either has a clue. In any case, they're certainly NOT coordinated in their communications. Just look at the post from PeteDD above. How does that jive with the fact that my wife is currently connected through Quicken to her Amex Hi Yield account? Go figure.

  • Quicken Windows Subscription Member ✭✭✭

    SOLVED! Transferred funds to Discover Bank and closed American Express accounts. 🤣

  • Quicken Windows Subscription Member ✭✭
    edited September 2024

    I had the error with connecting in July that took Quicken approximately 3 weeks to resolve, but then it DID work until about 7 days ago. Now it asks for the confirmation code but then gives an error and can't connect (Error CC-502). I'm having the same issue with First National Bank of Omaha so that's two strikes against Quicken this month. Considering the subscription fee keeps going up, the product seems to be getting worse.

  • Member ✭✭
    edited September 2024

    This was broken for me, then working, now broken again for the last week or so. I am getting the FDP-102 error, even after providing the MFA code.

  • Quicken Windows Subscription Member ✭✭
    edited October 2024

    It was fixed for a couple weeks but now it's erroring out again. Also, when I try to login to the web site and download the QFX file, I now get the error below. So Amex isn't working with automatic or manual downloads. This is getting ridiculous.

    Edit - As a bonus, Quicken crashes after this error and I have to restart it and go through the password vault process again.

    image.png
  • Quicken Windows Subscription Member

    Yes, it's time to xfer cash to another bank. I don't suppose Quicken will offer some partial refund…nah didn't think so.

  • Member ✭✭✭

    Does anyone know whether or not Quicken is working with AMEX to restore this capability? If yes, they're sure taking their sweet time, and they're not letting their customers know what's going on. If no, then … why?

    This is an important part of having a compilation service like Quicken. To Quicken: If you're going to fix it, get on with it and let us know! If you just don't care about this, please let us know that, too. If AMEX is stonewalling the process, let us know so we can move our funds to a bank in the 21st century.

  • Quicken Windows Subscription Member ✭✭

    CIBC HYSA is currently at 4.61% APY.

  • Quicken Mac Subscription Member, Mac Beta Beta

    What I'm seeing in all of this is that Amex won't allow Quicken to connect, versus Quicken not supporting Amex customers. I know who not to bank with or get a credit card through.

  • Quicken Windows Subscription Member ✭✭

    I was able to import AMEX transactions from a manual download a week ago, now Quicken throws an error trying to read the QFX file. I have verified the file XML is correct and, other than transaction detail, the file format and syntax matches previously successful files. Also, AMEX is listed in the Quicken FIDIR.txt file so data should import. To me, this is a Quicken interface issue. AMEX provides a manual download capability, but Quicken pukes on the file import.

    I checked syntax and format by downloading a single day which produced only one detail record. Making the compare of syntax and format with previously working files a simple task. One additional point. I can successfully import the Quicken "Broken" QFX file into Moneydance with no issues. Pretty sad when a non-Quicken product is able to import Quicken formatted QFX files and Quicken cannot import the same QFX file. Quicken really needs to get their act together.

  • Member ✭✭✭

    IAmMikeRena is correct. I made one more call to AMEX support, and again got the answer that they are no longer allowing a direct connection to Quicken for transactions. I asked her to elevate it as a rather stupid move … which she agreed to do.

    I'm now looking at potential alternatives whose brains are in the 21st century! Furthermore, AMEX is one of the most WOKE companies in the country. Their DEI efforts make as little sense as their decision to "unhook" from Quicken.

    Nuff said, and good riddance.

  • Member ✭✭✭
    edited October 2024

    Direct connection is broken for me too; thanks for the heads-up not to bother trying QFX. No great loss; see their Better Business Bureau complaints page: https://www.bbb.org/us/ut/sandy/profile/consumer-finance-companies/american-express-centurion-bank-1166-2000252

  • Member
    edited October 2024

    As of 10/18/2024 the issue remains.

  • Quicken Windows Subscription Member ✭✭

    Still getting CC-502 error, as well as the issue highlighted by RJ_in_OR above where even the manual download QFX files don't work! This is an awful experience for paying Quicken users.

  • Member ✭✭✭

    I got an email yesterday from Quicken telling me that they and Amex are going to have a new method of connecting and downloading transactions at some point in the near future. The note says "You don't have to do anything now. We'll start notifying you within the next 30 days it's time to make the switch."

    Has anyone else received this? If yes, some thoughts on the clarity of the message? I'm glad, at least, that Amex seems to have heard the frustration from many of us.

  • Quicken Windows Subscription Member ✭✭

    I was just able to authorize my AMEX account to Express Web Connect+! Yay!

    I used the "add account", and searched for "American Express". The correct selection from that search is plain "American Express", rather than "American Express - Banking", which seems to have been removed as a choice.

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