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Issue with Raymond James Financial Connection (FDP-185)

ctanenbaum

Starting on June 26th, I am unable to connect to my accounts again. The security verification is not working. I am not receiving a text code. I have no issues logging into Raymond James Financial's website. Advice on how to fix this issue please and thank you.

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Comments

dtorg1955

The Raymond James account wants to reconnect and asks an answer to security question. But it does not ask the question. I have tried one of the three answers many times without success. But I believe RJ has changed to texting a security code. I am not able to use any of the provider methods to connect.

Coach Jon

Hello @dtorg1955,

Thanks for reaching out! To help clarify the situation, could you please share a screenshot of the issue on your end? When connecting to Raymond James in Quicken Simplifi, does the MFA code not get sent to you at all? Are you receiving an error? Are you able to review your MFA options on the bank's website to see if it can be changed?

You can also try the following steps to see if they help in this situation:

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!

dtorg1955

I no longer get security questions when I log into RM. I am sent a security code that I have to input. If I remember correctly, earlier this month RJ said I had to change the access method.

The Finicity connection is asking for an answer to the security question but does not supply the question. I have tried readding the account but the same issue appears. I tried the other suppliers but they fail to recognize the login credentials.

Coach Jon

Hello @dtorg1955,

Thanks for the reply! After reviewing your activity on our end, I do not see a connection to a Finicity instance for Raymond James in Quicken Simplifi. I see that you are trying to connect to the "Raymond James & Associates" instance. Is this the instance you are referring to?

dtorg1955

No, that's an old one and all accounts closed. Its Raymond James and Associates.

I was in the process of taking a screen shot of the account when your system started to do an update. After waiting it updated successfully without asking the question. Very strange.

Coach Jon

Hello @dtorg1955,

Thanks for letting us know! I am glad to hear that you were able to connect successfully. Let us know if this issue occurs again in the future.

dtorg1955

I was trying to fix it for two days. We'll see if it continues to work.

ctanenbaum

I forgot to mention that it shows code FDP-187.

EL1234

Mine shows FDP-185. Also interesting to note that it's been asking me since yesterday for an MFA code every time I refresh, but I haven't gotten one (and on Raymond James' website itself it lets me choose where and how to send the code, but Simplifi didn't ask me that).

Coach Natalie

@ctanenbaum & @EL1234, thanks for reaching out to the Community with this issue!

When checking your connection attempts from our end, I see an FDP-185 error with Raymond James & Associates for both of you as of 6/28/26. The first steps we'd have you both follow are to establish a completely fresh connection with the bank to see if doing so clears things up, and, if not, to confirm the error with a new connection:

Make all of the accounts with this 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 how it goes!

Sara Riegel

Good morning @Coach Natalie! I am also having this issue. Unfortunately, the steps you outlined did not work for me. What should I try next?

HomeBudget

As the title says, when I try and connect to RJ it pops up looking for a security validation (MFA). I never get the SMS on my end, so it eventually times out with a FDP-187 error

I know my credentials are there and I know my MFA setup (SMA) is fine as I can login from a browser.

Any word on progress here, or a way I can address it? This has gone on for a couple of weeks now.

Coach Natalie

@Sara Riegel, thanks for joining the discussion!

I checked your connection attempts on our end and can confirm the FDP-185 error with Raymond James & Associates as of yesterday. Since the steps I provided above did not resolve the error for you, please provide the following details:

Is Quicken Simplifi asking you to complete MFA?
Are you receiving the code?
What method are you using (SMS, call, etc.)?
Have you tried changing how you receive your MFA code?

If you are being prompted in Quicken Simplifi to complete MFA but never receive the code, please try changing the method. For example, if you have MFA set up for SMS, try changing it to call or email to see if that allows the code to appear.

Let us know how things go!

Coach Natalie

@HomeBudget, thanks for reaching out!

Your post has been merged with the existing thread for this issue. Please follow the steps I posted above to start troubleshooting this issue:

https://community.simplifimoney.com/discussion/comment/71301#Comment_71301

If those steps don't work, we asked for more info here:

https://community.simplifimoney.com/discussion/comment/71303#Comment_71303

We look forward to your reply!

ctanenbaum

I tried to make my accounts manual and add new accounts. The process stopped at the security verification. When I log into the website, I receive a text message with the code. Something is being blocked from sending the code.

EL1234

I also got stuck at the point of entering the verification code but I don't have that phone here. But the phone doesn't actually get text messages and when logging in at raymondjames.com I always choose to get a phone call with the verification code.

Coach Natalie

@ctanenbaum, thank you for trying the steps and posting back!

Please provide the info and try changing your MFA method, as outlined in my comment here:

https://community.simplifimoney.com/discussion/comment/71303#Comment_71303

Let us know how things go!

Coach Natalie

@EL1234, thanks for the info!

To clarify, is Quicken Simplifi stating that the code is being sent via SMS? What method do you have set up with Raymond James directly? Are you able to change it to email and try that method?

EL1234

@Coach Natalie it doesn't say, I'm guessing. When logging in at the website, text is the first option and voice is the second. There isn't an option for email as far as I know, but again, I can't actually log in at the moment since I don't have access to that phone. I'll try again later.

HomeBudget

Same here. I just keep getting the MFA box, but no SMS. I have done all the steps above, same thing

FDP-187

ctanenbaum

I logged into the Raymond James website and the only MFA option is SMS text or phone call. They do not offer email as a choice. When I log into RJF, I automatically receive a text with no issues.

HomeBudget

@Coach Natalie can you check my connection from your end?

Coach Natalie

Hello everyone,

Thank you for the information and updates! If you have followed the steps to establish a completely fresh connection with the bank, and doing so did not clear up the error, please provide the following data so the case can be reviewed for escalation:

Is Quicken Simplifi asking you to complete MFA?
Are you receiving the code?
What method are you using (SMS, call, etc.)?
Have you tried changing how you receive your MFA code?

Please also provide:

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 desktop browser, not a mobile one, and redact any private info, such as account numbers.

To send this information, please click "Reply" at the bottom of this comment, so the information stays organized in a single nested location:

Screenshot 2026-06-30 at 10.32.00 AM.png

Please also submit your logs via the 'Send Feedback' option:

Log in to the Quicken Simplifi Web App.
Select the Profile icon in the upper-right corner of the screen.
With the Profile menu open, hold down the Option key (Mac) or the Alt key (Windows), and then click Send Feedback.
Leave all boxes checked, add a brief description of the issue, and then click Send.

Much appreciated!

ctanenbaum

Here is a screenshot for RJF

ctanenbaum

Screenshot 2026-06-30 124217.png

picture

ctanenbaum

I tried sending feedback but don't think it is working for me. When I click on Send Feedback, nothing opens up and then it disappears. I am using Chrome. I will try it on Edge next.

Coach Natalie

@ctanenbaum, thank you!

This screenshot needs to be wider to show your accounts after signing in. You can redact any private info, such as account numbers.

ctanenbaum

I was able to send the feedback

ctanenbaum

RJF Screenshot 2026-06-30 123805.png

will this work

Coach Natalie

@ctanenbaum, yes that should work, since it more clearly indicates that you have active accounts. However, I don't see that we gained the direct answers to the following questions from you:

Is Quicken Simplifi asking you to complete MFA?
What method are you using (sounds like SMS, but we need to be sure)?
Did you try changing the MFA method with Raymond James directly to see if doing so allows you to receive the code when connecting in Quicken Simplifi?

Let us know!

ctanenbaum

When I try to connect, Quicken Simplifi requests security verification (I am assuming this is the code from SMS text).

Definitely SMS

The only other option is receiving a call but I did not change it to that.

Coach Natalie

@ctanenbaum, can you try changing the method to "call" to see if that works, please? We want to exhaust all efforts and gather the most thorough data possible before filing a ticket. You can change the method back to "text" as soon as you're done testing.

Much appreciated!

ctanenbaum

I changed it to call and I did not receive a call.

ctanenbaum

I was thinking and when you log into the RJF website, you have to choose whether you want a text or a call each time. The website does not allow you to edit and save a choice. This may be why it is not working with Simplifi.

EL1234

That's my experience also. With each log in it asks if you want text/call. But it's weird if Simplifi isn't sending either one.

Coach Natalie

@ctanenbaum, thank you!

I have filed a ticket for this issue and will post back here with updates. If anyone else would like to be included in the ticket, please provide the above-requested information:

https://community.simplifimoney.com/discussion/comment/71320#Comment_71320

CTP-17673

GrantCheese

I’m having the same issue, I’m not getting texted an MFA code either

Coach Jon

Hello @GrantCheese,

Thank you for reaching out as well! I am not seeing an error on our end for you. Can you verify whether the steps I shared above work to connect this account successfully?

riddle

i am having this issue right now. Requires MFA but not giving me the question nor is it triggering a code to be sent. I am accessing client access of Raymond James. i have logged into RJ Client Access and it triggered a MFA to be sent over text. My answers to questions are all updated. Going on 3 days now. I have attempted to reconnect accounts but now its stuck as requirng MFA but not specifying the question or triggering a code to be sent to include. My screenshot looks just like the one posted above.

Coach Jon

Hello @riddle,

Thank you for reaching out! Can you please verify whether you tried the steps I posted above and whether they work in resolving the issue for you as well?

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!

EL1234

Hi, I just tried the above steps. When reconnecting the account, Simplifi asked me for a MFA code but Raymond James did not call me with it. I do not know if it tried texting since this phone doesn't get texts. On the website when logging in each time you can choose call/text but in Simplifi I don't get the option.

Let me know if you need the account screenshot and I will log in and DM it to you.

I did send the feedback through the app.

Thanks!

Coach Jon

Hello everyone!

We are now aware of this known issue and have an alert you can follow for updates here:

https://community.simplifimoney.com/discussion/16751/new-6-30-26-raymond-james-returning-fdp-185-mfa-failure

In the meantime, you can track the account manually by adding manual transactions, which will keep your records up-to-date. Here are the steps to do so: Managing Transactions in Quicken Simplifi | Quicken Simplifi Help Center

If the account is an investment account, the manual tracking steps are a little different:

Thank you for your patience!

ctanenbaum

I reached out to RJF and here is their response.

Thank you for contacting us.

We are aware of an issue impacting some third-party aggregation services, including Quicken Simplifi. When Simplifi attempts to connect, it may prompt for a security verification code, and the verification process may not complete successfully.

Our IT team has already reached out to Quicken Simplifi's aggregation vendor, Intuit, to advise them of updates made to our website. At this time, any required updates or fixes on the aggregation side would need to be completed by Intuit/Quicken.

Unfortunately, we do not have visibility into Quicken Simplifi's development timeline or an estimated timeframe for resolution. For further assistance and updates regarding the status of a fix, we recommend contacting Quicken Support directly.

ctanenbaum

Great news. I was able to connect to RJF this morning. Simplifi prompted me to answer one of my RJF security questions and I connected.

EL1234

Mine seems to be working as well! I continued with the steps of converting it from a manual account (I got stuck on the MFA step) and instead of asking for an MFA code, it asked me for a security question I had set up with Raymond James. After that it all worked and seems to be connected. Whew!