Schwab Brokerage Accounts not downloading since 11/4/2024

I have 4 Schwab accounts. The two Roth IRA stopped downloading 9/30/2024. The other two continue fine. I have spent 2 hours with support but once the ticket was escalated to tier 3 it fell into a black hole. Front-line Quicken support have been helpful and tried to resolve or to escalate. Tier 3 hasn't even opened the ticket as far as I can tell, asking for screenshots that they already have and noncommunicative. Frustrating.

Thanks @mikeweberatl

You inspired me to try a different strategy. Fingers crossed. Will need to wait for additional transactions to see if the new ones keep downloading.

My steps that finally worked:

1. Fresh backup to ensure I could abort and revert.
2. Deactivated online setup across all Schwab accounts (both the 2 that kept working and the 2 that kept failing).
3. Went to Schwab account security settings and stopped Quicken as linked/trusted app.
4. For each Schwab account, ran a customized transaction report for all transactions in each Schwab account where category was any [Non-Schwab-Account] so I could isolate and recreate all cash transfers from non-Schwab accounts into or out of my Schwab accounts.
5. Added new accounts, reconnecting to Schwab and bringing in all of them as new accounts.
6. Painstakingly edited all transactions transfers from non-Schwab accounts into and out of these new accounts.
7. Moved any stock-split transactions from the accounts I planned to abandon.
8. Deleted all the now-abandoned bad Schwab accounts.
9. Validate and Repair file, with validate and rebuilt investing lots.
10. New backup.

Yes, an extreme tactic, but not impossible, since the cleanup was only on the cash transfers. These were few and far between relatively speaking, in comparison to all the in-Schwab transactions I needed Quicken to import for me.

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Footnotes:

• Re steps #2/3, I previously tried all sorts of less extreme measures hoping to keep the good Schwab accounts. Quicken would properly find the missing accounts and I would say Add to Quicken, but always zero transactions.
• Schwab account security settings found at https://client.schwab.com/app/access/securitysettings/#/security/linked-apps.
• Re step #6, I would do this by going to the historic transaction e.g. in [Checking] and edit it to change matching transfer account from bad-Schwab to good-Schwab. Quicken warned me each time that I was messing with an investment transaction (said Yes to continue because I planned to delete all bad-Schwab accounts), after which Quicken always correctly identified the proper matching transaction in the fresh good-Schwab account.
• Re step #7, Quicken did not like me doing this. Each time I did this, Quicken immediately triggered a Validate and Repair. However, it was the only reliable way I could figure out how to get the # of shares correct without placeholder transactions.
• Re step #9, the investment balances got wacky despite the transaction registers looking perfect. Not a huge surprise. A final Validate and Repair for good measure seems to have made everything happy.

Discussion: If this works, it would seem to add more evidence that my problem started when I opened an additional Schwab account and asked Quicken to Add to Quicken back on 09/29/2024. That went fine. But then on 10/07/2024 I moved money from the newest Schwab account into 2 of 3 pre-existing Schwab accounts. The new account, as well as the legacy account not involved in any Schwab transfer transaction continued merrily updating just fine. But the legacy accounts implicated in intra-Schwab transfers went quiet.

When I did my extreme rebuild today killing all my Schwab accounts and starting them anew, Quicken linked up all my intra-Schwab transfers across all the accounts just fine, without any intervention on my part. (My painstaking cleanup was limited only to money transfer transactions that crossed the boundary between non-Schwab accounts and Schwab accounts.)

My current hypothesis is that a Schwab-on-Schwab transfer of funds between a Quicken account established in one authentication redirect and a Quicken account established in an earlier authentication session ghosted the older account. The question I got from Quicken front-line support was:

Do you remember when you first saw the Charles Schwab EWC+ Redirect?

This was when the series of coincidences had first occurred to me. Deactivating all the accounts and killing Quicken as a trusted linked app did not fix the problem. The extreme measure of kicking off a new authentication redirect and adding all of them simultaneously as new Add to Quicken accounts seems to have fixed it, knock on wood.

Sadly, the lack of engagement with their tier 3 support means there is no one who can take this hypothesis and refute it or test it out. And so I document here publicly in case other customers experience something similar.

(refer to customer support case #11328799)

→ Note: possibly of interest to @matthahn re closed discussion in Schwab problems ... again!

Tried updating many times using the procedure. I think quicken should allow update using cvs file the qfx is not generated.