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Account Reset Error with Vanguard (edited)

GTMissileMan

After repeatedly getting an FDP-102 error connecting to Vanguard (after market hours, and on the weekend), I decided to reset the account. I signed in through the pop-up window, did MFA with Vanguard, and selected to accept the T&C and hit "enroll" (first picture). After that, the screen has stayed like this for the following 20 minutes (second picture).

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Comments

Coach Kristina

Hello @GTMissileMan,

Thank you for letting us know you encountered this issue. To help troubleshoot, I checked on our end. On our end, it looks like you were able to successfully connect today. Are you able to connect/update your account(s) with Vanguard? If not, what is happening when you try?

I look forward to your reply!

RickS

I am experiencing the same result. It does not actually connect and you must abort. I reported to Vanguard on Friday 2/21/2025.

Coach Natalie

Hey everyone, these connection issues with Vanguard are likely related to this known issue:

https://community.simplifimoney.com/discussion/11626/new-errors-connecting-to-vanguard-accounts-or-enrolling-with-new-vanguard-connection-method

The recommendation at this time is to contact Vanguard directly and speak with their digital banking department. Thank you!

Matt Anfang

https://community.simplifimoney.com/discussion/comment/48766#Comment_48766

@Coach Natalie does this request for us all to contact Vanguard mean that nothing is connecting right now? As mentioned above it appears like it works but then it just keeps spinning and nothing ever happens.

Coach Natalie

@Matt Anfang, thanks for the reply!

Most users migrating to the new connection method for Vanguard in Quicken Simplifi will experience failure. Since the issue lies on Vanguard's end, we are unable to troubleshoot or resolve things from our end, so users must contact Vanguard for help. The Alert I linked says that users may see nothing happen after clicking “Enroll”, so the never-ending spinning seems to align with this.

We apologize for the inconvenience of this connection issue, and we sincerely hope Vanguard resolves things for everyone very soon!

dgower2

I spoke with Vanguard support today. They tried to say that it's on Quicken's end and everything is working fine from their end. That was after having to repeat the issue three times since English wasn't the support person's first language. I think I'm finished with Vanguard.

Coach Natalie

Can you all try to migrate your Vanguard accounts from the Quicken Simplifi Mobile App? We had a user report failure on the Web App, but success on the Mobile App, so it may be worth a try!

Thanks!

Hackstar18

https://community.simplifimoney.com/discussion/comment/48819#Comment_48819

I just flipped over to the iOS Simplifi app temporarily and managed to get Vanguard to connect that way, and at least for now it is still showing connected when I return on the web app.

scollard2001

I just tried using the iOS app and it worked and seems to port over to the web app too. Thanks for the workaround

RickS

I had to make the Vanguard accounts manual and then add Vanguard instituion using iOS app and link the manual accounts. Nonetheless, connection was made and working in web and iOS.

Matt Anfang

https://community.simplifimoney.com/discussion/comment/48819#Comment_48819

Thanks for the response @Coach Natalie! I did try the Android app and it seemed to work for my account but then I tried it for my wife's Vanguard account on her phone and got this error "Care: data-access". It makes no sense to me since both accounts are set up the same from my end on multiple devices. Any thoughts on that one?

Matt Anfang

Ok I eventually…47 minutes later… got it to connect. I think I had too many Android chrome browser windows open and Vanguard was essentially rejecting the connection or it was getting confused since I had 2 accounts. When the browser window would open to allow access and it was a different account or multiple windows from multiple attempts it would not connect. In the end, I had to make the account that I wanted into a manual account, close out all Simplifi/Vanguard windows where it was trying to connect, and then re-link to my wife's account and it FINALLY worked on the android app. Yuck, what a mess.

Jeff C

I followed the steps here but it's still not working:

https://community.simplifimoney.com/discussion/11675/new-vanguard-connection-problem

I made my account manual, then tried to reconnect as suggested. I got the Vanguard prompt, confirmed, and entered my credentials.

Simplifi then hung at this dialog:

Please fix this! Thank you.

ogl

Can confirm reconnect worked via MOBILE Simplifi app (not on desktop). This fix then carried over to desktop. We'll see whether the fix is persistent, or just for a single logon/reconnect attempt.

cncb

Vanguard is not working for me. I log in at their site in the window that pops up and click "enroll" in sharing data with Intuit. But after that window closes, Simplifi just sits there with a spinning blue circle and never recovers. I gave it 15 minutes and then aborted.

Coach Kristina

Hello @cncb & @Jeff C,

I moved your post to the ongoing discussion on the issue you described. Are you encountering this issue when using the web app? If so, then please try going through the process on the Quicken Simplifi mobile app, if possible. Others in this discussion report that they're able to reauthorize and link to Vanguard through the mobile app, and the connection then carries over to the web app.

I hope this helps!

Jeff C

Well… the mobile app sorta worked. I have two accounts at Vanguard. One reconnected just fine. The other connected but now I have two instances of it — both with different balances! One has all my transactions — I presume this is the one I made manual. The other only has the most recent transactions. Not sure where this came from.

I'll have to follow it for a few days before I can figure out which one is correct.

Rsalica54

Vanguard is no longer updating. I go to link the account again and I find the following: Fix account connection (Care code: FDP-390) Your account connection no longer works, but we have a new & improved way to connect to your financial institution. Well the new and improved way doesn't work. I log in, click the box giving them permission and it just circles. I let it run for 30 minutes and still nothing. So unless there is a solution, it may be new BUT NOT improved. Any ideas what's wrong?

Coach Kristina

Thank you for your reply @Jeff C,

Based on your description, what most likely happened is the account got added as new rather than linked to the existing account. If that is what happened, you would want to delete the newly added "duplicate" account, then go through the authorization process again, making sure to carefully link the account to the correct existing account in Quicken Simplifi. For more information on linking accounts in the mobile app, please see the article below:

https://support.simplifi.quicken.com/en/articles/6461435-how-to-link-accounts-on-the-mobile-app

Hello @Rsalica54,

I merged your post with the ongoing discussion of this issue. Other users have been able to connect via the new method by using the mobile app instead of the web app to go through the authorization process.

Please let me know how it goes!

Rupe

I do not use the Simplifi mobile app and get the never ending spinner on the website when trying to connect to Vanguard (see attached). I was told by support to try Chrome or Edge instead of Firefox. I tried Chrome but that made no difference.

Has anyone gotten the new Vanguard connection to work using the website interface?

Simplifi does not seem to understand the issue and told me to reach out to Vanguard. I don't understand why customers should have to reach out to Vanguard to troubleshoot the connection as this is what we are paying Simplifi to do. Vanguard has told @dgower2 that the issue is not on their side and I am having no issue with emoney or Empower connecting to Vanguard.

@Coach Natalie and @Coach Kristina are Simplifi working with Vanguard to resolve this?

Coach Natalie

@Rupe, thanks for letting us know!

I'd suggest trying from the Quicken Simplifi Mobile App if at all possible. Otherwise, you will need to follow our Alert:

https://community.simplifimoney.com/discussion/11626/new-errors-connecting-to-vanguard-accounts-or-enrolling-with-new-vanguard-connection-method

We are aware of the issues with Vanguard, but they are on Vanguard's end, and it is up to them to resolve the connection issues for their API. When you contact Vanguard, you will need to speak to their digital banking department. Unfortunately, there is nothing further that can be done from our end for Vanguard at this time.

Sorry for not having better news, but I hope this helps!

melissakevin

Confirmed making the account manual (not just the institution, but the accounts themselves) and then linking from Android or iOS app is the way to go.

To confirm the account was made manual correctly, you should see the account move all the way to the bottom and change institutions from Vanguard → manual accounts. Then link vanguard from the mobile app by adding a brand new account and selecting the first Vanguard option. When it finishes authenticating, you’ll have an option in the Simplifi app to select accounts. Make sure to link each account with the corresponding manual account, then proceed to finish. You can delete the broken institution with no accounts in at the bottom.

Since this worked, I’m inclined to think the issue is not actually on Vanguard’s end. I would urge the Quicken team to examine what is different about the web workflow vs. the mobile workflow, and adjust the web workflow to be work like the mobile one. Or if it simply doesn’t work to re-link, publish instructions as I have just noted above for making the account manual prior to re-linking.
Hope this helps someone else. Cheers

EugenePHD

Doing it in Android app helped me.

lwyman

I was able to connect via the ios app, and both the ios and web versions are correctly showing the Vanguard accounts. Thanks for this workaround. Doesn't make much sense, but as long as it works…

Nico L.

I can add some context to escalate this - very likely this would be Quicken backend engineering tweak needed. I have a very similar finance aggregator service (Empower: Personal Capital for transparency) using (very likely) the same backend vendor to connect to Vanguard. The connection between Empower and Vanguard went through. Empower experimented the same connection problem with Vanguard for about 2+ weeks, but Empower resolved it now. I am expecting Quicken to reconcile this promptly.

cncb

https://community.simplifimoney.com/discussion/comment/49061#Comment_49061

Adding Vanguard via the iOS app also worked for me.

Nico L.

// 2025-03-19 Just tried via the Simplifi web app adding back Vanguard. Issue seems fixed for now. Something different on Simplifi front -end: at least the Abort button no longer appears and stuck. Thank you - Simplifi team!

MattS

Preface: I disconnected my vanguard account a couple weeks ago as it hadn't been working and had been trying randomly to reconnect it.

It had continued to fail today until I tried something specific: On the dashboard page where it lists all of your accounts, my vanguard account had a little lightning bolt next to it. When I clicked that and approved it with vanguard, the connection/waiting screen back on simplifi was slightly different and it ultimately connected successfully.

mwoolley

I was having the same issue described above and reconnecting my accounts through the mobile app fixed it. Makes you wonder if the problem is really on the Vanguard's end if the Simplify mobile app works and the Simplify web site doesn't work? Vanguard's APIs are the same no matter the client calling them. Hmm. Coach Natalie - maybe you can get the post you referenced updated with this mobile workaround?

Nico L.

// 2025-04-02 It is broken again on the Simplifi web app with Vanguard. It seems Vanguard updated their security script that requires all 3rd-party authorization to be re-authorized again. Anyway, the result is the same, the connection between Simplifi and Vanguard is broken currently.