American Express - FDP-401

drumsdb · October 2

I have been having off and on issues with American Express for several weeks now. I will get "Can't connect errors" for a few days, then I will connect and update accounts, and then I will start getting the same error.

Today (10/2/25) I'm unable to connect again but I was able to connect on 9/30.

Is this a known issue?

Paul1 · October 3

Plus one — same issue.

barronphoenix · October 3

Same here. Have not been able to connect to Amex for several days. Tried reestablishing the connection and that consistently fails also.

Quicken Anja · October 3

Hello All,

Thanks for sharing the details. I completely understand how frustrating it can be to experience intermittent connection issues with American Express.

After checking all of your accounts, it appears that you’re encountering an internal FDP-401 error. This generally happens when the bank’s website is temporarily unavailable for Quicken to download transactions. It can occur even if you’re able to log in to the bank’s website successfully, as the issue originates from the bank’s servers preventing Quicken from accessing transaction data.

For more context, please review this support article.

Additionally, we will also be forwarding this issue to the proper channels to have this further investigated. However, we request that you please navigate to Help > Report a problem within your Quicken program and submit a problem report with log files and screenshots attached in order to contribute to the investigation.

It would also aid the investigation to include a sanitized file when submitting the problem report. A sanitized file is a data file that removes personally identifiable information so you can comfortably share this file with the Quicken team.

While you will not receive a response through this submission, these reports will help our teams in further investigating the issue. The more problem reports we receive, the better.

We apologize for any inconvenience in the meantime! Thank you.
(CBT-845)

nathanroemer · October 3

I've been receiving this error intermittently when downloading transactions from American Express accounts over the past few months, but it is becoming more and more frequent, and I've been receiving these errors almost every time I've attempted a download now for several days.

"We were unable to connect to American Express. Please try again later. If this issue persists, contact Quicken Care and report this error code and institution name. (FDP-401)

"BID: 3101
"Channel: FDP_WSI_OAUTH
"Details: Bad response from provider
"Error Code: CP_SERVER_ERROR (FDP-401)
"Type: QCS FI Login
"WCC Code: CC-900

Quicken Anja · October 3

Hello @nathanroemer,

I’ve merged your post with this ongoing thread regarding American Express and the FDP-401 error. Please refer to my previous response in this thread for context and guidance on next steps.

Thank you for sharing your experience!

cyberstever · October 3

plus one. sanitized data submitted.

Quicken Anja · October 3

Hello @cyberstever,

Thank you for submitting a sanitized data file and confirming your experience. We appreciate you taking the time to provide that information, as it helps our teams with the ongoing investigation into the American Express FDP-401 error.

Thank you for your patience while this is being worked on!

dison_miller · October 3

Same issue here. Haven't been able to update Amex since 9/21.

Quicken Anja · October 3

Hello @dison_miller,

Thanks for sharing your experience.

As mentioned earlier in the thread, please submit a problem report through Help > Report a Problem in Quicken with log files and a sanitized data file to help our teams investigate and track the issue.

We appreciate your patience while this is being looked into!

mk0 · October 6

Same issue. Just submitted a report.

Hoosier16 · October 7

Occurring again — and again. I have submitted information.

Quicken Anja · October 7

Hello @mk0 & @Hoosier16,

Thank you for submitting the problem reports. Your details and files will be added to the ticket.

Thanks!

Quicken Anja · October 7

Hello All,

We now have an Alert posted for this issue, though we do not have an ETA on resolution at this time. While the investigation remains ongoing, please refer to this Community Alert for any and all available updates and information.

We apologize for any inconvenience in the meantime! Thank you.

savax76 · October 9

Some feedback, I was just able to auth to Amex. It asked me to link my cards to existing (old) ones within Simplifi. As soon as I finished it went back to the error screen. I clicked "try again" and it looks like it's pulling transactions again.

Quicken Anja · October 9

https://community.quicken.com/discussion/comment/20514478#Comment_20514478

@savax76 Thanks for the update! Glad to hear it is working for you now.

However, since you are using Quicken Simplifi, it would be better suited for you to post within Simplifi's Community directly. Please click here to be redirected to Simplifi's Community.

Thank you!

msrw08 · October 9

I’m also having connection issues with Quicken Deluxe for Mac Version 8.3.2, except with error code 324, on four Amex credit card accounts that I have had for years and have not had connection or name changes.

ACCOUNT_NOT_FOUND (324)

Dave in SF · October 9

Just a +1, I'm having the same problem. I submitted a problem report through Quicken, including my sanitized data file.

mk0 · October 10

Worked for two days, not not working again. :(

Quicken Anja · October 10

Hello All,

Please continue to refer to the Community Alert posted for this issue. At this time, we do not have an ETA on a resolution. The investigation is ongoing, and the alert is the best source for any updates or information available.

We understand this is frustrating, and we appreciate your patience as our teams work to resolve it.

Thank you!

msrw08 · October 16

@Quicken Anja, is the dev team working on this yet? The issue has been continuing for a lot longer than usual without a resolution.

Thanks

Quicken Anja · October 16

Hello @msrw08,

I understand the continued frustration, and I can confirm that our teams are actively working on this issue. The ongoing investigation is being tracked under the existing Community Alert, which will be updated as soon as any new information or progress becomes available.

At this time, no additional action is required on your end beyond monitoring the alert thread for updates. We appreciate your patience while this is being resolved.

Thank you!

msrw08 · October 16

In addition to error code 401, which I’m getting regularly with my Amex credit cards, I’m also getting error codes 1006 and 324.

When I seek to reconnect my Amex accounts, sometimes the authorization process finds/connects some but not all cards, which are authorized successfully, and then cannot connect shortly thereafter.

I deleted one of my cards in Quicken in attempting to fix the issue in reconnecting it. The re-authorization process hasn’t been able to discover that card ever since.

So all in all, there are a range of different things that seem to be going wrong on the Amex API. These Amex cards have been among the most reliable cards in terms of connection/downloads into Quicken over the years.

Mollinmark · October 18

(Mac User) This has been happening to me for a couple weeks now. It only happens early in the morning (6-8am Eastern). But it is every day. I am able to update fine after that. I suspect AMEX changed something, maybe taking a systeme offline during these hours.

msrw08 · October 23

@Quicken Anja,

With respect, this issue is about to move into the third month without being resolved, or even explained, and it’s preventing an entire class of credit cards from functioning within Quicken Classic.

I cannot remember ANY similar issue that has gone on for so long with Quicken in the many years that I have been a user.

In total candor, that this has gone on for so long without any resolution is making me rethink whether it still makes sense to use Quicken or whether it’s time to look for alternatives. I would imagine that I'm not the only long term user who is pondering that.

This issue needs to be escalated and resolved.

Thank you.

Quicken Anja · October 23

@msrw08 I understand your frustration and appreciate you taking the time to share your thoughts.

Please know that this issue has been escalated—in fact, that’s exactly what the Community Alert represents. The alert is created only after the matter has been confirmed, logged, and assigned to the appropriate internal teams for investigation.

At this time, there are no new updates available beyond what’s already posted in the alert. Our Product Development teams don’t provide estimates for when fixes will be completed or released, but once a resolution is implemented, the Community Alert will be updated right away to reflect that.

Thank you!

steelcity79 · October 23

msrw08 - I agree with you. [Removed - No Soliciting/Rant] I have 21 Amex accounts and I have to manually update.

msrw08 · October 24

@Quicken Anja,

I get that Quicken is a complicated platform with a ton of APIs, but it isn’t unreasonable for users to expect that major functions that go down will be resolved more expeditiously than the many weeks that have already occurred on this issue.

Since your dev team hasn’t made any progress, I would like to request that you escalate this to your corporate leadership team. And also that Quicken at least communicate what may be occurring and how long it may take to resolve.

Thanks

Quicken Anja · October 24

@msrw08 Thanks for sharing your feedback. The team has already escalated this internally—so it is actively being tracked.

One thing to note: between 10:00 PM PDT and 7:00 AM PDT, users are more likely to encounter this error when connecting to American Express due to how they throttle connections. If you continue to see this issue outside of those hours, please let us know, and we can add an update to the active ticket.

We really appreciate your patience while this is being worked on.

Thank you!

kiwi_e · October 24

https://community.quicken.com/discussion/comment/20517331#Comment_20517331

I have encountered the same issue on 1:15PM PDT as of today now. So it is a more wide-spread issue seems.

msrw08 · October 25

One thing to note: between 10:00 PM PDT and 7:00 AM PDT, users are more likely to encounter this error when connecting to American Express due to how they throttle connections. If you continue to see this issue outside of those hours, please let us know, and we can add an update to the active ticket.

I am encountering this error whenever I try to update my AMEX accounts.

American Express - FDP-401

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