FDP-102 error with American Express - Banking (edited)

vladimird

Hi [removed]

The issue from this thread was resolved and I was able to connect and pull in my American Express HYSA transactions into Simplifi, however in the last few days it has resurfaced. Getting the following error, no matter what time I try

Care code: FDP-102

Can you please advise. Thanks!

Coach Jon

Hello @vladimird,

Thanks for reaching out! Sorry to hear about the trouble with American Express. American Express does limit connectivity to avoid excessive server traffic. A 102/105 error may occur during high-traffic times. American Express typically also blocks our connection on Mondays. It's recommended that you try updating at a later time.

Thanks,

Coach Jon

CR Fort Nine

Good afternoon:

Not sure if others having the same issue can shed some light. I seem to have been having the same issue since the beginning of the month. When Simplifi attempts to update the account, it starts with an FDP-185 error because AmEx requires a one time code. Simplifi shows the dialog offering to send the code to SMS or email. When the code is entered from either source (code received fine on either) Simplifi then shows a FDP-102 code. This has been repeated day and night every day since last Monday. Sometimes even at 2AM ET. No updates since the end of August.

lwyman

Amex was working fine for me, but since late August it is not available, FDP-185 error ( even thought the pass code is sent and entered on the site). I, too, have tried all times of the day, and can of course log in directly on the Amex website.

Coach Jon

Hello @CR Fort Nine and @lwyman,

Thanks for reaching out! Sorry to hear about the trouble with American Express. American Express does limit connectivity to avoid excessive server traffic. A 102/105 error may occur during high-traffic times. American Express typically also blocks our connection on Mondays. It's recommended that you try updating at a later time.

As for the FDP-185 error, you may receive this error if multi-factor authentication is required to add your account or if the multi-factor code entered was invalid. Since American Express does limit connectivity, it may be that this error is also caused due to that as a prelude to the 102 error. Have you been able to connect outside of peak times?

Thanks,

Coach Jon

CR Fort Nine

Hey @Coach Jon - Everything had been working fine until the end of August. Since then, weekdays or weekends, early morning (2-4AM [early riser]) or mid-afternoon/night, all roads lead to 102 after the code sent from AmEx is entered. No updates since August. Having seen this with other accounts, I was giving this a few days but no updates since August. Feels similar to Discover last month when it didn’t work for a couple of weeks & started working again.🤔

Coach Jon

Hello @CR Fort Nine,

Thanks for the information. I would suggest trying with a fresh new connection to see if this works. You can make the accounts manual and then use the Add Account flow to get a completely fresh connection. If the connection is successful, you'll then want to link the accounts to your existing Quicken Simplifi accounts. Let us know how that goes!

-Coach Jon

CR Fort Nine

Hey @Coach Jon - just tried that and still 102🤔

Coach Jon

Hello @CR Fort Nine,

Thanks for the reply. At this time, since American Express does actively limit connectivity, all we can suggest currently is to keep trying outside peak hours.

We thank you for your patience!

-Coach Jon

vollmas

This issue has crept back up again. I haven't been able to sync my Amex savings accounts in multiple weeks. I have tried at multiple times of day, logged into my account on the Amex site, etc. Each time, I get the mfa prompt, type in the text code, and it throws the 102 error.

Oleksander

Same for me, though it's only been about a week. Hopefully there's a quick fix!

Coach Jon

Hello everyone,

To better assist us in determining what specifically is occuring here with American Express, can you please let us know what types of accounts you are receiving the 102 error with? For anyone with loan or savings accounts, can you please try connecting with the "American Express" instance in Quicken Simplifi?

Thanks, and let us know how that goes!

-Coach Jon

CR Fort Nine

Hey @Coach Jon:

That option doesn’t appear to work. When that option is selected, a new tab is opened on AmericanExpress.com. Post authentication the following screen is shown:

The :American Express - Banking” option is the option that works with American Express Savings

When that option is selected, the following dialog is shown:

Followed by the credentials screen:

Upon entering the proper credentials, a screen pops up to select a destination (either email or SMS) for a one time code. Upon sending the code a screen is displayed to enter the code. Upon entering the one time code, the 102 shows up.

Before this month, everything had been working without an issue.

Coach Jon

Hello @CR Fort Nine,

Thanks for the information. The reason we asked for you to try the "American Express" instance is because American Express is migrating loan and savings accounts to Oauth, and the migration was supposed to start last night.

Can you verify if the savings account showed up in the list of accounts to authorize during the Oauth add account flow? This would help us understand what is happening here.

Thanks,

Coach Jon

CR Fort Nine

@Coach Jon - As a developer & fan of OAuth 2, I appreciate the direction. Unfortunately, I only have the one account, so there isn't a list post authentication. The same is true when I log into the website. After providing my credentials, the same error screen shows up. I guess the project plan may be a tad behind 😂

Coach Jon

Hello everyone,

For now, let's just have everyone try connecting outside of peak hours for the west of the week and over the weekend. If the issue is still occurring on Monday, be sure to let us know!

Thanks for your patience,

Coach Jon

Oleksander

Hi @Coach Jon,

I'm still getting the same issues as above. I have an AMEX savings account connected with American Express - Banking, which gives an FDP-102 error.

When I try to add the account using the regular American Express option, it says "Your selected American Express account(s) information cannot be made available to Quicken at this time."

CR Fort Nine

Hey @Coach Jon - ditto for me. Tried daily at various times of day & night.

smrtrich

I am also getting the same message for the American Express (americanexpress.com) connection:

vollmas

I am continuing to get FDP-102 errors at all times of the day.

Coach Jon

Hello everyone,

Thanks for all the replies! We are currently looking into the issue with American Express and will post back here as soon as we have any news on the issue.

Thanks for your patience!

-Coach Jon

Coach Jon

Hello everyone,

Please let us know if any of you are still experiencing the FDP-102 error with American Express! We will be escalating on a case-by-case basis for this issue, as we have confirmed most users are connecting successfully at this time.

Thanks,

Coach Jon

CR Fort Nine

Hey @Coach Jon - just tried both methods discussed and neither worked for me. Is there another AmEx variant I should be trying?

vollmas

I just tried and am still getting the error.

Coach Jon

Hello @CR Fort Nine,

I have gone ahead and escalated this issue. I will be sure to post back here when I receive further information on the status of the issue.

Thanks for your patience,

Coach Jon

EWC - 11298224

Coach Jon

Hello @vollmas,

I have also escalated this issue for you. I will be sure to post back here when I receive further information on the status of the issue.

Thanks for your patience,

Coach Jon

EWC - 11298242

Oleksander

Hi @Coach Jon,

I'm also still getting the error. I tried with both the American Express and American Express - Banking options and neither work.

Coach Jon

Hello @Oleksander,

Thank you for letting us know! We are currently waiting to hear back from our engineering team on this issue. We will be sure to post back here when we have more information.

Thanks,

Coach Jon

Oleksander

Hi @Coach Jon,

Any update on this? I'm still getting the error.

Coach Natalie

Hello @CR Fort Nine, @vollmas, and anyone else experiencing this issue,

After some research, our engineering manager has advised us that American Express is throttling connection traffic frequently. He also confirmed that American Express is expected to migrate your accounts to the OAuth API connection in the next 4-6 weeks, so the throttling should clear up at that time.

For now, we recommend:

• Trying outside of peak hours. You may need to try more than once.
• Avoid adding/updating the accounts on Mondays, as American Express increases the throttling rate on Mondays.

Sorry for not having better news, but I hope this helps in the meantime. A fix for the throttling is right around the corner!

-Coach Natalie

vollmas

I have honestly given up trying with it's current connection. I have tried multiple times at odd hours of the day, every day, for weeks. Hopefully that 4-6 weeks is under-promising and they over-perform, as it is really difficult to budget properly when my primary savings accounts are not accurate. Appreciate the update, @Coach Natalie