Trying to login to Raymond James returns a multi-authentication error (Care Code: FDP-187 & FDP-103)

MJSJ

Have tried over several months to login to Raymond James but it keeps returning a multi-authentication error. "A multi-factor authentication is required to connect to your account at Raymond James & Associates. Care Code: FDP-187". I've had this issue before, tried a bunch of things that were listed in previous threads and it worked for a little bit but stopped working again shortly after. I don't want to have to keep removing and re-adding and cross my fingers and hope it works. Anybody else have issues with Raymond James consistently?

My previous thread on the same topic: https://community.simplifimoney.com/discussion/11136/trying-to-login-to-raymond-james-returns-a-multi-authentication-error-care-code-fdp-187#

Coach Jon

Hello @MJSJ,

Thank you for reaching out! I can see from our side that you are receiving an FDP-187 error when trying to connect. Users typically receive this error when they enter an invalid multi-factor authentication code or MFA code. The error typically resolves itself within 24-48 hours. Can you confirm the following information to better assist us?

• Is Quicken Simplifi asking you to complete multi-factor authentication?
• Are you receiving the code?
• What method are you using (SMS, call, etc.)?

I would also see if establishing a fresh connection by making the account manual and re-linking fixes the current issue. The instructions to do that are:

• Make all of the accounts with the bank manual by following the steps here.
• Once you see the account(s) listed in the Manual Accounts section under Settings > Accounts, go back through the Add Account flow to reconnect to the bank.
• If the connection is successful, carefully link the account(s) found to your existing Quicken Simplifi account(s) by following the steps here.

Let us know!

-Coach Jon

MJSJ

• Is Quicken Simplifi asking you to complete multi-factor authentication?

It was. It was asking me a security question.

• Are you receiving the code?
• What method are you using (SMS, call, etc.)?

Not applicable - asking for security question.

However, I don't know if it's because of something you did while looking into this, but RJ now asked me to reset my password. I did, and updated the connection at Simplifi with the new password, but now I am getting this error when Simplifi tries to connect: "We are unable to connect to Raymond James & Associates at this time. Care Code: request-body-field-unsupported"

I'd really rather not have to make manual and re-add if at all possible. Like I said, this keeps happening and I don't know why. I might get it to work again using multiple methods like re-adding manually, but it's always temporary and eventually the connection breaks again usually after a short time

Coach Jon

Hello @MJSJ,

Thanks for the reply! I can confirm that I have not done anything from my side while we have been troubleshooting so far. When I check from our side, I can see that you are now receiving an FDP-103 error when trying to connect. Typically, you will receive this error when an invalid username and password have been entered for the bank you are trying to connect with.

I would still suggest trying to do the steps I provided regarding making the account manual and re-linking as well. If it does work and then later disconnects, it is good for us to establish this behavior during troubleshooting so that we can pass this information along to the appropriate team if need be.

I would also have you verify the following information and steps, please:

• Verify the bank selected is the correct instance – You may see several different instances of your bank that you can add in the Add Account screen.
• Verify 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.
• 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 the credentials are still valid.
• 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.
• Update your credentials – Try temporarily updating your password on your bank's website and then try again to connect to Quicken Simplifi. We recommend NOT using the following special characters: & < > / \.

Let us know how this goes!

-Coach Jon