Delaware Life Connection - FDP-103 error (edited)

Dick_Davis

When trying to create the account for Delaware Life, the error message Care Code: FDP-103 is shown. I have logged in to the Delaware Life site using the user id and password and the login is successful. Is there a problem with trying to connect Simplifi with Delaware Life for the annuity.

Screenshot 2025-06-23 230225.png

[corrected error code]

Coach Natalie

@Dick_Davis, thanks for reaching out to the Community!

An FDP-103 error indicates that invalid credentials are being used. To clarify, have you ever had this account connected in Quicken Simplifi, or is this your first time attempting to add it?

If the latter, the best way to check whether the bank option in Quicken Simplifi will work for you is to click on the URL displayed for the bank within Quicken Simplifi, and then try signing into the new page that opens to the bank's website. If you are able to sign in and access your account, then we can start troubleshooting the FDP-103 error.

Let us know how it goes!

Dick_Davis

When the url “delawarelife.com” is used, you are taken to the screen for logging on. When the “policy holder” is selected, then the login screen is presented. So, this points that that there is a issue within Simplifi. The screen that is shown by @CoachNatalie is not the same screen that is shown in Version 4.64.1 web app.

Coach Natalie

@Dick_Davis, thanks for the reply!

I am on web version 4.64.1, and the bank I sent a screenshot of above is the only option for "Delaware Life" that I see in Quicken Simplifi, and it is the same bank option that I can see from our end you are attempting to connect to. Can you provide a screenshot showing what you see, please?

Dick_Davis

There are two screens that are referenced, the first screen is the search for the institution and the second is the connect to institution. With the first screen, delawarelife.com is whereas on the second screen the full URL is shas you captured. On either the short URL or the long URL, it takes you to the same place. So, this appears to be a Simplifi app problem.

Screenshot 2025-06-24 141425.png

Screenshot 2025-06-24 141317.png

Dick_Davis

So, while waiting for this to be resolved, what would an account type be for Delaware Life?

Coach Natalie

@Dick_Davis, I think there may be some confusion. Here are the steps you need to try:

1. Log in to the Quicken Simplifi Web App.
2. Go through the Add Account flow.
3. Type in "Delaware Life" and select the bank listed as "Delaware Life".
4. Click "Continue".
5. On the next page, click on the URL displayed for the bank, as indicated in my screenshot.
6. Log in to the new page that opens to the bank's website.
7. Confirm whether you can access the account you are trying to add to Quicken Simplifi when doing so.

To clarify, the URL displayed is not in question here; what is in question is whether this bank option will work for your specific account. This is best confirmed by clicking the URL in Quicken Simplifi and then signing into the new page that opens to the bank's website. Also, we are not waiting for the issue to be resolved; we are troubleshooting the issue, which may result in an escalation.

We also still need to know if you've had this account connected prior, or if this is your first time attempting to add it.

Let us know how it goes!

Dick_Davis

@CoachNatalie

I don’t think we had any confusion but thank you for the steps outlined. Followed the seven steps that was outlined. Logged in the bank’s website. Screen showed the account, the balance and other information that I was trying to add to Quicken Simplifi.

Sorry for using the incorrect words. I got the point of using the URL in Quicken Simplifi to check and validate with a new page on the bank’s website.

This is a new account that I am trying to add to Quicken Simplifi, so there was no way to check any prior connections, this is the first time attempting to add the account.

Coach Natalie

@Dick_Davis, thanks for ensuring those steps were followed!

It definitely sounds like the "Delaware Life" bank option should work for you. With that, please next thoroughly follow these troubleshooting steps for an FDP-103 error:

1. 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.
2. 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.
3. 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.
4. 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 it goes!

Dick_Davis

@CoachNatalie, thank you for the setups to verify the FDP-103 Error. The results of each are below. Also, this is very similar to the same testing and results that was done with Freedom Mortgage that was reported a week or so back.

1. Verify that your login information is correct –

I copied and then pasted the password into Notepad and then ensure that there were no typographical errors or extra spelling errors. I get the same error FDP-103.

2. Verify your login at the bank’s website –

Used the same user id and password and logged directly for the bank’s website. This was successful and did not have any issues with the login. So, these credentials are valid still and I am not locked out.

3. Check for an app-specific password –

There is no app-specific password other than the SMS validation code. When used, it was accepted. Since the FDP-103 error is happening, I am not getting the ability to enter the SMS Validation Code as there is no request to have it generated.

4. Update your credentials –

Change the password to be without any special characters in the format of Mmm-DD-YYYY, only letters and numbers. The FDP-103 error was displayed once again.

Coach Natalie

@Dick_Davis, thanks for giving those steps a try and posting back with details!

To escalate the FDP-103 error, please provide the following data:

1. The name of the account, as it appears on the bank's website.
2. Has there been any recent changes made to the bank's website or its sign-in process?
3. What is the exact URL you use to log in to your account on the bank's website?
4. A screenshot of the Accounts Summary page from the bank's website that has a wide enough scope to show the full page URL. This is the landing page after signing in, and typically lists all accounts and balances. You will want to take this from a web browser and not a mobile browser, as well as redact any private info such as account numbers.
5. The format of your password (DO NOT provide your actual password!). For example, "Quicken123$" would be coded as "Xxxxxxx###$", where a capital "X" indicates a capital letter, a lowercase "x" indicates a lowercase letter, and a "#" indicates numbers; the actual special characters used will need to be provided.

Feel free to DM this info to me for privacy. Please also submit your logs via the 'Send Feedback' option:

1. Log in to the Quicken Simplifi Web App.
2. Select Profile from the left-hand navigation bar.
3. With the Profile menu open, hold down the Option key for Mac or the Alt key for Windows, and then click Send Feedback. 
4. Leave all boxes checked, add a brief description of the issue, and then click Send.

We look forward to your reply!

Dick_Davis

@CoachNatalie - Below is the date that you have requested, the screen shots have been sent by direct message. All scree shots were taken from the web browser.

1. The account name is shown on the Screen 4.
2. As far as I know and aware, there have been been no change to the bank’s website since June 12th or any changes to the sign-in process since this date.
3. The exact URL is shown on screen 4.
4. Screens 4 is the screen shot of the Accounts Summary page from the bank’s website after signing in. The landing page before sign in and landing page after sign-in are provided via direct message.
5. Password format is [removed - privacy]
6. Logs have been sent from the Quicken Simplifi Web App using the instructions provided.

Coach Natalie

@Dick_Davis, thanks for the information!

A couple of things are unclear, or need to be provided a little differently:

1. I'm not sure I'm seeing the name of the account on the bank's website. Is it the "TruPath" info I see in the 4th screenshot?
2. It looks like the first screenshot shows the URL used when signing into the bank's website, but it's very long, and I can't see the entire thing. Please copy/paste it.
3. To clarify, screenshots 1-3 aren't needed for the escalation. However, I want to confirm that the fourth screenshot is the Account Summary page from the bank's website — is "My Contracts" where you land after signing in?

Let us know!

Dick_Davis

@CoachNatalie – I apologize for the unclear items, but here is the answers to your questios and points of interest.

• With the Delaware Life, the account number is under the word of Contract and the name account name is [removed - privacy].
• In order to get to the Delaware Life page, then URL is entered as “https:\\www.delawarelife.com” and then after logging to the site, the home page is https://portal.delawarelife.io/V2/client/my-contracts .
• The fourth screen shot is where the landing is after completing the log in.

Coach Natalie

@Dick_Davis, thanks!

It looks like we still need the URL used when signing in on the bank's website. According to your screenshot of the login page, the URL is not just delawarelife.com —

I can't see the full URL, and even if I could, it would be too long to type and prone to errors if I were to do so. If you could copy/paste this URL and send it here, we can get the issue escalated. 🙂

Dick_Davis

https://auth.portal.delawarelife.io/login?response_type=code&client_id=3l6dnkvohboirafj5idabjr304&redirect_uri=https:%2F%2Fportal.delawarelife.io%2FV2%2Fauth%2Fredirect&state=Mlo7mKw7kWm0JopJVMamxTe0eOYK2oGu&identity_provider=COGNITO&scope=email%20openid%20phone%20aws.cognito.signin.user.admin&code_challenge_method=S256&code_challenge=bCAKIrWQobN6q0Vp8Kivuh_5zCgTFP6ysCfEGrwKR3g

Coach Natalie

@Dick_Davis, thank you!

I have escalated this issue to our service provider and will post back here next week when there's an update.

Have a good weekend!

EWC-11834100

Dick_Davis

Thank you.

Coach Natalie

@Dick_Davis, we've heard back from our service provider, and they stated that invalid credentials are being used to connect to this bank. Please follow the steps above again, including changing your password and trying again in Quicken Simplifi, and then let us know how it goes.

1. 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.
2. 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.
3. 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.
4. 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: & < > / \.

Thanks!

Dick_Davis

@coachnatalie, I don’t understand and see no specific for the “… stated that invalid credentials are being used to connect to the bank.” If this was the case, then the login wold be failing in the browsers each and every time. This seems like a punt statement as it has not been examined deeper. IF they see the login, then have them publish what is seen from the logs. Also, this is the same steps as before, but these will be done again.

1. Verify that your login information is correct

The login information is correct as it has been tried from three browsers and two different machines on two different networks. However, Quicken Simplifi continues to fail in the log on process.

1. Verify your login at the bank’s website

This has been verified at the bank’s website with three different browses two different machine on two different networks.

1. Check for an app-specific password

This has been checked and found not to be the case.

1. Update your credentials

The password has been changed at the bank’s website and then tried. This was tried with three different browsers and two different machines on two different networks.

Coach Natalie

@Dick_Davis, thanks for giving the connection another try and letting us know how things went!

When viewing your connection attempts from our end, the last time you tried to connect to Delaware Life was on 6/25. You will need to give the connection a fresh try within Quicken Simplifi; we will need to see proof of the new attempts from our end in order to resubmit the escalation.

Let us know!

Dick_Davis

@coachnatalie, thank you for confirming the details of the last login, which was helpful. I just tried again from within Simplifi and gets the same error as before, no change. I am able to login from the bank's website without issue.

Coach Natalie

@Dick_Davis, thank you for that!

I have resubmitted the ticket and will let you know when I hear back.

EWC-11834100

Coach Natalie

@Dick_Davis, we heard back from our service provider again. They'd like you to navigate here and use the same credentials you are using when attempting to add the account in Quicken Simplifi to see if you can log in and access your account: https://auth.portal.delawarelife.io/login

Let us know how it goes!

Dick_Davis

Thank you. I will test this when I return from Europe on July 20th. Thank you again.

Dick_Davis

@Coach Natalie Using the link provided, I was able to login directly to the site with my credentials. Unfortunately, I was not able to paste this link in Simplifi to try the login. Please provide these instructions so that I can past the link in the correct place and then try to login to the Delaware Life site.

Coach Natalie

@Dick_Davis, thanks for confirming that you are able to sign into the link provided!

I think there is confusion on the latter part. You don't need to copy/paste the link into Quicken Simplifi. You just need to click on the link I provided, confirm you are able to sign into your account, and then navigate back to Quicken Simplifi, go back through the Add Account flow to connect to the bank, and use the same credentials that you just used at the provided link.

It looks like the name of the bank you'd attempt to connect to in Quicken Simplifi is listed as "Delaware Life" —

Let us know if this makes more sense, and how things go, please!

Dick_Davis

@Coach Natalie You are correct as that I tried to add the account, Delaware Life. I do not see where your instructions were anything different than I performed when I responded the other day.

• Used the link provided and was able to login to the Delaware Life Account using the link provided.
• When I go to the “Add Account”, the url for Delaware Life is the same, nothing has changed. So, I still get the error message.
  01 Add Account Delaware Life.png
  03 Delaware Life Error FDP-103.png

[removed screenshot - privacy]

Coach Natalie

@Dick_Davis, thank you for confirming!

I have resubmitted the ticket and will post back here with the next update.

EWC-11834100

Dick_Davis

Thank you

Coach Natalie

@Dick_Davis, hello, again!

Our service provider would like you to give the connection another try. If you still receive the FDP-103 error, we will need to request a debugging session for you.

Let us know how it goes!