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ETrade FDP-103/FDP-105 (edited)

neon45

The account has been sort of working; balance, no transactions. Starting around a month ago I started getting;
Account needs attention
(Care code: FDP-103)

Then…
We are unable to connect to E*Trade Bank at this time.
Care Code: not.found

"Check your credentials". I have, and they work fine opening the E@Trade account.

Help.

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Comments

Coach Kristina

Hello @neon45,

Thank you for reaching out! To start troubleshooting, please follow these steps:

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: & < > / \.
Check for unsupported Multi-factor Authentication (MFA) options - Quicken Simplifi does not support E*Trade's password + token MFA options. If you have one of those options enabled, try switching to a supported MFA option.

I hope this helps!

neon45

Verify your login information is correct: DONE

Verify your login at the bank’s website: DONE

Check for an app-specific password: CHECKED. NOT REQUIRED

Update your credentials: DONE. Even changed password and still no connection

Check for unsupported Multi-factor Authentication (MFA) options: CHECKED, NOT APPLICABLE

Earlier problems with this account are documented with Coach Jon. In the beginning I could connect, but only a Balance would show, no transaction. Now there are no transactions and an out of date balance. I really don't care about the transactions, but I would certainly like the balance to update each month.

I read the error code was QS couldn't connect to E*T?

Thanks…

Coach Jon

Hello @neon45,

Thank you for confirming. Typically, users will receive FDP-103 when an invalid username or password is entered for the bank they are trying to connect to in Quicken Simplifi.

We can look at investigating this issue further. Can you please provide the following information?

The name of the account(s), as it appears in Quicken Simplifi.
The name of the account(s), as it appears on the bank's website.
Have there been any recent changes made to the bank's website or its sign-in process?
What is the exact URL you use to log in to your account on the bank's website?
What type of account(s) are you attempting to connect in Quicken Simplifi?
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.
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.

We will also need logs!

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.

neon45

I sent the Profile. I'll work on the other stuff later. Just a note; since the last time we went round and round with ETrade nothing has changed, at all.

I'm calling their tech support tomorrow. Wish me luck.

PS… can't get a screenshot. Can't log in.

Coach Jon

@neon45,

Thank you for the update. Let us know what you find out and when you can provide all of the information requested!

neon45

So here's the skinny / 411 … Ten days ago E*Trade "tightened" up their security with 3rd party vendors, which aligns with the start of the connection issue.

Tech support listed their "Guaranteed" partners, which included Quicken, but not Simplifi. Tech Support hasn't been given training or information about QS.

When I tried logging in with SQ tech support never even saw the request get to the ET servers, let alone my account.

Coach Jon

Hello @neon45,

Thank you for the information. I am not sure how their updated security might affect Quicken Simplifi either, unfortunately. If you are still receiving the FDP-103 error and wish to have us troubleshoot further on our end, we are happy to do so, but we will need the information I requested previously.

Let us know how you wish to proceed!

neon45

Hi Coach..

Re: "I am not sure how their updated security might affect Quicken Simplifi either," The lady in tech support said Qucken was, but Simplifi was not approved. It was not on her list. Maybe you could message the folks upstream and confirm this? That would be appreciated.

I also sent the requested information to you. It's probably the tail end of an existing private note.

Coach Jon

Hello @neon45,

Thank you for the requested information. Before I escalate this issue, can you please verify if trying one of the other E*Trade instances works for you?

Let us know!

neon45

None of those are available, and I have only used the BANK.

Coach Jon

Hello @neon45,

Thank you for the reply. Can you clarify what you mean by "None of those are available"? Do they not show up when searching for them? Or are you just unable to connect to these instances as you do with the "E*Trade Bank" instance?

neon45

When I first signed up (ADD AN ACCOUNT) I used etrade Bank.

"None of those are available" < referring to when I try to log in through QS.

And I would have no reason to be ADDing an account since the account is already open and has been connected for months.

Please re-read the part about ETrade updating their security protocols about the time this started.

Thanks..

Coach Jon

Hello @neon45,

I am still a little confused here. If you are receiving an FDP-103 error when trying to connect the current account, it appears the account is not connecting correctly in Quicken Simplifi. If you follow the steps below and then try connecting with the other E*Trade instances available, can you let us know if they work to connect the account without the error appearing?

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!

neon45

I have set the accounts to manual. Added them to E-Trade Bank.

Since this is a CD I changed Checking to CD. ETrade connected with zero balances. I tried again with Money Market. Etrade didn't like that either. I just tried connecting using Savings and got

Account needs attention

(Care code: FDP-105)

We are unable to connect to E*Trade Bank at this time. Please try again later.

In both cases the Manual Accounts didn't close.

Please re-read the part about the ETrade tech support lady advising about updating their security protocols about the time this started.

Thanks

Coach Jon

Hello @neon45,

I have already read your reply regarding the upgraded security. Do the accounts connect fine until you set them as Savings accounts in the Add Account window and click "Add"? Is this when the FDP-105 error appears?

In the case of a FDP-105 error, this generally indicates that the specific bank is temporarily blocking us. This typically happens when the selected bank is performing server maintenance or is blocking third-party aggregation to avoid site saturation.

Are you able to send a screenshot of the error code from your side, as well as new logs, please?

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.

neon45

"In the case of a FDP-105 error, this generally indicates that the
specific bank is temporarily blocking us. This typically happens when
the selected bank is performing server maintenance or is blocking
third-party aggregation to avoid site saturation. "

Exactly, Simplifi isn't on her list of acceptable 3rd parties.

I sent the report. I'm tired and done for a while. You are on your own.

Best…

ps… Just retried for the last time and got this

"We are unable to connect to E*Trade Bank at this time.
Care Code: 1024"

Coach Jon

Hello @neon45,

I can definitely understand your frustration with troubleshooting this issue, but we ask for all this information so we can understand the issue at hand and present it to our service provider. If you can just let us know the answer to the questions I previously asked above, I can get this issue escalated for you!

Do the accounts connect fine until you set them as Savings accounts in the Add Account window and select "Add?
Is this when the FDP-105 error appears?

Thank you!

neon45

I'm done. Please submit as is, or message the folks above if QS is on the welcome list at Etrade.

Simple request.

Coach Jon

Hello @neon45,

Unfortunately, we won't be able to submit as is. I would suggest reaching out to our phone/chat support team for more advanced assistance, as they can screen-share with you and better verify the specific problem here. https://support.simplifi.quicken.com/en/articles/5077917-how-to-contact-support#h_ae9ae33e3e

Thank you!

neon45

That is sad. After all the time I put into this answering questions and sending screenshots.

Next time I'll just go to the support and save myself a lot of time.

neon45

Guys, sometimes you have to listen to the customers and break out of your mold or Simplifi must change their chain of communication.

I just got off the phone with Simplifi support. They agreed, the problem is Simplifi communicating with ETrade. It is not my problem, or what I am doing. I find it incredible how the Simplifi system is designed to make work for, and blame the customer for internal problems.

Yes, the frustration level is right up there.

Have a great weekend. :)

neon45

I talked to QS support yesterday. Apparently QS and ETrade can talk to each other for the Brokerage. ETrade still blocks QS at the server.

I confirmed this, personally, by trying to Add a new ETrade bank account and ETrade Investment account. My Bank attempt was totally blocked with the 105. The Investment got me inside their server, but asked me to check my username / account.