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Unable to login to LPL Financial Provider using Log in with a Partner option

perrynmyers

I started a discussion, albeit a bit prematurely, in the ticket linked below. It turns out that Prudential switched from NFS (myStreetscape) to LPL as their backend FI for brokerages, IRAs, etc. (Not to emaplan as I originally thought)

As such, I should be able to set up an account using the LPL provider in Simplifi and login with my Prudential credentials as I do on the LPL website. But, this does not seem possible presently in Simplifi. I get the following error instead:

To connect to LPL Financial, you must re-enter your credentials. If that does not work, try entering them on the website at LPL Financial to ensure they are correct.
Care Code: FDP-103

I have verified that my credentials work on LPL. Here are the steps I have used to login to their website:

Go to lpl.com and select Login

This takes me to https://www.lpl.com/accounts/log-in.html and from there I select the Investor option (not the Advisor option)

This takes me to https://accountview.lpl.com/web/login which has the login screen for Investors at LPL

On that page, there are two options to login. One is to login with a Username and the other is to log in via a Partner Firm (in this case, Prudential). I click Log in with a Partner, and it redirects me to Prudential's login screen and then I log in with the Prudential credentials and I can access my accounts on lpl.com.

So, it seems to me that Simplifi needs to support the Log in with a Partner option for LPL that it provides on its website. Right now, it appears that Simplifi is only supporting logins for non-Partner affiliated accounts.

The only way I can access these accounts is by going directly to lpl.com and using the Log in with a Partner option. I cannot get them via the Prudential provider in Simplifi directly.

Thanks,

Perry

https://community.simplifimoney.com/discussion/10283/need-to-add-new-provider-as-prudential-switched-to-wealth-emaplan-com-for-their-backend

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Comments

Coach Jon

Hello @perrynmyers,

Thanks for reaching out! We are aware of this known issue with LPL Financial receiving an FDP-103 error when trying to connect. We do have an alert for this known issue that can be followed for updates here:

https://community.simplifimoney.com/discussion/10437/ongoing-10-14-24-lpl-financial-returns-a-103-error

We will be sure to post there when we have new information.

-Coach Jon

perrynmyers

Thanks @Coach Jon. I searched for Prudential and LPL and the only thing that came up was unrelated to this (and old) which is why I didn't see the above ongoing issue.

That said, do you know if the people reporting the FDP-103 are all hitting this issue specifically because of the "Log in with a Partner" option being used?

Or are they seeing FDP-103 for a normal username/password login as well?

I ask because if the FDP-103 is unrelated to the Log in with a Partner issue, I wouldn't want this specific request to get lost. So, please let's keep this open until the FDP-103 error is resolved, and at that point I'll try again and see if it'll take my Prudential login credentials correctly.

Coach Jon

Hello @perrynmyers,

Thanks for the reply. I would not be sure, myself. However, if the issue persists for you after the FDP-103 error is resolved, be sure to let us know!

-Coach Jon

Scooter4k

There is no excuse for this.. I just cancelled my membership. When [removed] can connect, when [removed] can connect and WHEN the [removed] can connect Quicken has a major problem. A company with the expertise should have this fixed in one or two days. Not a continual "we know about it and are working on it"….a MONTH later…really? just bad business.

perrynmyers

@Coach Jon Can you answer the questions @Scooter4k posted? He listed three other sites that CAN connect to LPL. So that seems to me to indicate the issue isn't with LPL but with Quicken/Simplifi. So, why aren't you able to fix this while your competitors already have it working then?

justlen

This is getting absolutely ridiculous. Over a month. I'm about ready to walk away from SImplifi if they can't fix these connectivity issues.

justlen

[removed - speculation/disruptive]. It's becoming impossible to manage my finances with this platform.

Is Quicken putting any resources into Simplifi?

JTaylorIV

Over a month, still unable to connect. I would even settle that I need to go through a 2-factor authentication to get the data. I have lost well over a year of data trying to connect back to LPL. Other providers have it working but the connection need to verify with 2-factor

I am sure this thread will be closed with no reason other than refer to another locked thread with no updates.

Andy 99999

@Coach Jon It seems appropriate for Quicken to provide an explanation of the issues rather than "we are aware." This is frustrating, so thanking us for our patience when we no longer have patience isn't soothing. I'm already paying for a competitor due to this issue. Can I have a refund of what I paid Simplifi?

Coach Jon

Hello @Andy 99999,

I can understand your frustration. If you need to request a refund, feel free to reach out to our support team directly, where that request can be made. they should be able to help you with that request. https://support.simplifi.quicken.com/en/articles/5077917-how-to-contact-support

-Coach Jon

Andy 99999

@Coach Jon Thank you for your response.

Andy 99999

UPDATE: sadly, Quicken advised on phone call today that this is still unsolved with no estimated time it will be fixed. Quicken was unwilling to refund my fee because it is after the "30 days free trial." Never mind that this worked not only during the 30 day trial but for several months after and this issue completely falls on Quicken. I spoke to Elder followed by his supervisor, Charlie and then Aura, Manager of Simplifi requesting a refund only to be told by each that their systems will not allow them to issue a refund beyond the 30 day policy.

Maybe this is mentioned and I missed it but I did get a better explanation of the issue. Quicken using Intuit as their aggregator with LPL (remember the good old days when Quicken and Intuit were one?). The issue is not with Quicken but rather Intuit and it is Intuit that is trying to fix this, although we would likely all question how hard they are trying. Other aggregators aren't having this issue so may Quicken should change aggregators? In any event, all three I spoke to today were courteous and helpful to the extent they could help.

terickson81

A day not working… ok. A week not working… not ok…. 72 days not working… totally unacceptable. How is there no SLA with aggregators…

JTaylorIV

Seems there is some movement forward, yet still not working. When I go to settings, accounts, select LPL and choose to reset the following happens; Enter login ID and password, receive a two factor authentication text, enter the code and now receive a new error message 101. From the previous post, seems Intuit is doing something. Yea! maybe?

JTaylorIV

I was able to connect to my LPL account! Hopefully the connection issue is finally resolved for a long time.

perrynmyers

I still get FDP 103 errors, using credentials that I know work correctly when I login on the LPL website.

schustet

The interesting thing is, I have two different Prudential accounts. One of them never stopped updating while the other one has not updated since October.

perrynmyers

I just spoke to someone in Simplifi support who confirmed that the case is being worked on, and has been worked on over the last 3 months, but the team has absolutely nothing to report on any progress. The support agent confirmed in the chat with me that they do not even have a root cause for the problem yet. I was also told that information about what the team has been doing to try to troubleshoot and root cause the issue is "internal to the team" and they can't share it with us.

From my perspective as a paying customer, this to me simply looks like the issue isn't being worked on at all, which is unfortunate and frustrating.

perrynmyers

The conversation I had with support on the 17th left me feeling very much like this problem would go unsolved, so I started investigating alternative solutions and I found one that partially works.

[removed] does support LPL and I am able to see all of my accounts and transactions using that financial aggregator. It's not perfect, since they have their own issues with reliability. You have to re-auth with every connection attempt using your MFA/OTP. But, at least I can get to the data, even if refreshing it is a bit cumbersome. I'm trying their service out during a 7 day trial, and if it goes well I guess it's time to move on from Simplifi (for the second time…)

Andy 99999

I have been very vocal on this topic thru several discussion groups. Simplifi has successfully updated LPL with minimal effort on my part for 2 to 3 weeks (maybe a month). I started using Monarch 2 months ago due to this issue. Monarch has been able to connect with LPL the whole time; however, it is MUCH slower updating than Simplifi. Monarch's updates gives a balance close to what LPL shows on their website (sometimes exact); Simplifi's balance always matches to the penny. I am confused and hate the inconsistency, but in particular I dislike Simplifi not working for everyone. Why the difference????

perrynmyers

See the start of this thread. The issue I'm having is that LPL supports native logins and also logging in via a partner.

In my case, LPL is the backend data provider for Prudential. So, when I log in to LPL, I use the same website you all do but I have to select the Log on via Partner option, and this redirects me to the Prudential sign on page which then passes the credentials back to LPL.

I have tried to get this data directly from Prudential but it doesn't exist in their systems. They outsource this to LPL and the data is only accessible via LPL now.

Mnrch via MX has options for LPL and also LPL Partner Access, so they are aware of this case and account for it.

I have tried to explain this to support at Simplifi several times but they just point me back to the ongoing FDP-103 issue and don't engage further on this.

But aside from all of that... I have several other accounts and providers that have stopped working entirely with Simplifi and they all seem to work with Mnrch. This LPL issue is the most pressing to me but it's definitely not the only issue.