Betterment - FDP-103 / QCS-0429-2 Errors

samsonite

I am a longstanding Betterment customer, and my Betterment accounts have been linked to Simplifi since I joined the service after Mint closed.

Yesterday, I opened a new Betterment account within the same credentials I already use.

Today I attempted to update Simplifi's connection to Betterment to show that account. Instead, the connection is now broken, and I repeatedly get FDP-103 errors.

I have tried deleting my connection to Betterment from Simplifi and readding it to no avail. (Same error message.)

I am correctly entering my Betterment credentials.

I chatted with a Coach through the Help channel, and I was referred to an alert from December 2024, which has made no progress since then. The Coach also said there was no resolution for me and told me to post here.

Simplifi has become persistently unreliable as this is now the third account that I have longstanding, ongoing connection issues with (also Vanguard and Target).

Is the answer that Betterment is now no longer available for me to connect to Simplifi?

Alert from December: https://community.simplifimoney.com/discussion/11009/ongoing-12-20-24-betterment-returns-a-103-error#latest

Coach Natalie

@samsonite, thanks for coming to the Community with this issue!

Unfortunately, the Alert for an FDP-103 error with Betterment does appear to still be ongoing. The error does not mean that Betterment is no longer supported, it just means that there is an ongoing issue. As soon as we have any news to share, we will update the Alert accordingly.

https://community.simplifimoney.com/discussion/11009/ongoing-12-20-24-betterment-returns-a-103-error

With that, I can recommend the generic FDP-103 error troubleshooting steps just in case they fix things for you. If they don't, though, you would need to follow the Alert for updates.

1. Verify the bank selected is the correct instance – You may see several different instances of your bank; check to see if you’re using the correct one.
2. Verify that your login information is correct – Type your password/PIN into a text application to ensure you don’t have any typographical errors. Then, copy and paste your login information into Quicken Simplifi to ensure accuracy.
3. Verify your login at the bank’s website – Try to sign in to your bank’s website using the same login credentials to ensure you've not locked yourself out of the account and that the credentials are still valid.
4. Check for an app-specific password – Some banks require users to use a specific app password when connecting to a third party. Check with your bank to see if you need to use an app-specific password.
5. Update your credentials – Try temporarily updating your password at your bank's website and then try again to connect in Quicken Simplifi. We recommend NOT using the following special characters: & < > / \.

Let us know how things go! If you need help tracking the account manually while the connection is down, let us know that as well, and we'd be happy to help.

samsonite

Hi Natalie:

I have tried all of this. There hasn't been any substantive update to that alert since December 2024 (five months ago), so it doesn't seem reasonable to just wait longer. What progress has been made since then?

This is the third (and now largest) of my accounts that is not functioning in Simplifi, which is no longer serving its purpose to me unfortunately.

Coach Natalie

@samsonite, we don't have any additional insight to provide aside from what's in the Alert. I wish I had more info for you. You may consider contacting your bank to help push the issue from that end.

We apologize for the inconvenience!

samsonite

Hi Natalie:

I appreciate that you are not handling the technical issues, but I pay Quicken to push the issues with their products forward with financial institutions, not for me to do so.

samsonite

Hi Coach Natalie:

I am checking on the status of this problem. I assume nothing has been done on Quicken's end since the alert was posted in December 2024 (five months ago), so it seems there needs to be a squeaky wheel to get this resolved.

Thanks.

samsonite

Hi @Coach Natalie:

I am following up again about a resolution to this problem. The issue has been known to Quicken since December 2024 without any progress. Simplifi was working fine with my Betterment account until last week, and without a resolution, I'll have to look for another aggregator.