Persistent 324 error with Fidelity HSA accounts (edited)

nrp06

Any updates?

lencoh82

Here is an update from Dale Kneivel after I sent another email to CEO Eric Dunn and Dale noting the increase in the number of users that are still having the issue and the fact that it has been 2 months since I first contacted them:

Hi Mr. Carroll,

 

There is work being done between Fidelity and our aggregation paretner.  The problem triggering the error  has been identified, but the fix has been elusive.  Last update I received last week is the two sides are not sure how to resolve it yet and are continuing there work on it.  I will keep you updated as I learn more.  This has been one that is more complex due to the work both Fidelity and our aggregation partner have been having to do to narrow down this cause and build a long term reliable fix. 

 

Dale K

Karim Benbourenane

I've been experiencing this same problem since I began using Quicken Simplifi and that was literally months and months ago. It's still happening, Care Code 324. Re-connecting accounts never fixes the error. It does seem, though, to be updating the values ONLY when I do the reconnect, but then it will say it's unable to connect again. Basically to keep the HSA account up to date I have to re-connect accounts every single day, which isn't practical especially with how many accounts I have at fidelity. It's a lot of checkboxes to click.

lencoh82

All, I contacted CEO Eric Dunn and Dale Kneivel as I hadn't heard anything since the last update of "we're still working on it but a solution is elusive". Both responded quickly. Eric asked me to test a potential fix with him so we got on a conference call and the fix appears to be working! No red exclamation points next to Fidelity HSA account and the account balance is updating. I believe Eric is confirming that the fix will scale to hundreds of users before communicating it to everyone. I will post an update when I hear something. Stay tuned! We may be close to a solution!

jfisher

Thanks for staying on top of the communication lencoh82! Hopefully we are close to having this resolved for good….

JD-SanDiego

yes, thank you @lencoh82 - very promising! Appreciate your keeping us in the loop.

Coach Natalie

Hey everyone! Our engineering team has been working on a workaround for the ongoing Fidelity issues we're seeing with Intuit, and we've added a new Finicity bank option for Fidelity that should work for you all in the meantime. Our support article here has more info on this:

https://help.simplifimoney.com/en/articles/3359549-top-bank-download-solutions#h_078cbe4cc3

We hope this helps everyone for now as we continue to work on the Intuit connection issues!

-Coach Natalie

lencoh82

All, as I mentioned in my previous post, this is the work around that I worked on with Dale Kneivel. I have been using it as a test for about a week and it does resolve the HSA sync issue. No more red exclamation mark nor 324 error.

btsmith52

Giving it a try. Getting set up was easy enough. I'll report back in a few days.

pwhelan81

I have followed the advice to replace the current Fidelity connection with new akoya.com it connected all my Fidelity accounts. Will monitor.

divegoga

Same here. Working great with HSA. Still doesn’t handle margin debt correctly, but one thing at a time.

Troy Weber

I followed the link that @Coach Natalie shared and was able to apply the specific steps for Fidelity HSA (and other HSA accounts) to use the akoya connection URL. No more errors, however, it also doesn't seem to add the recent transactions on the HSA account. But I'm going to give it a few days and check back in case the extra time resolves it. No more red checkmark at least.

Coach Natalie

@Troy Weber, it is my understanding that at least some account types on the Finicity (Akoya) connection will not download transactions, unfortunately. This was discussed here:

https://community.simplifimoney.com/discussion/9864/fidelity-account-via-finicity-akoya-does-not-include-transaction-history

Sorry for not having better news, but I wanted to make sure everyone in this thread is aware of this. Thanks!

-Coach Natalie

pwhelan81

@Coach Natalie

So if you already have the accounts in Simplifi and are simply converting the connection being used to the Akoya are you ok?

Please define "transaction history" (completed transactions over x days old?)

Coach Natalie

@pwhelan81, I think what they mean is that transactions just don't download. They could also be referring to historical transactions specifically because they have missed downloads since the Fidelity connection has been broken. As long as you link your existing account(s) in Quicken Simplifi to the new Finicity option, all existing data that's in the account will still be there. The only way you'll lose the already existing data is if you fully delete the existing account.

Does that help? 😀

-Coach Natalie

perrynmyers

Hi @Coach Natalie, I am having this issue with my HSA in Fidelity. Here are the answers to your questions:

1. The name of the account in question, as it appears in Quicken Simplifi.

"Health Savings Account"

1. Confirm whether the account belongs to you or your spouse or a combination of.

Belongs to me

1. Confirm whether you have other Fidelity accounts in Quicken Simplifi that do not present the issue.

I have two other accounts on the same connection with Fidelity that have no issues at all. One is for "Individual - TOD" and the other is for a 401k.

1. Confirm if the account has transactions in the last 90 days.

It has. I contribute to it every 2 weeks with my paycheck and we frequently take money out of it to pay bills.

1. Confirm the flow you're experiencing on Quicken Simplifi — does the account get a red exclamation point next to it that shows a 324 error every time it refreshes with the bank, or is something else happening?

I get the 324 error constantly. Here is a screen snip:

Thank you :)

Perry Myers

Coach Natalie

@perrynmyers, we don't need further examples of this issue; our engineering team is already well aware of it and working hard to resolve it with Fidelity. In the meantime you can follow my workaround that was posted above:

https://community.simplifimoney.com/discussion/comment/38782#Comment_38782

Thanks! I hope this helps!

-Coach Natalie

perrynmyers

Ah, thank you @Coach Natalie, I missed your note above in the stream of replies on this thread.

One question about that workaround… What is akoya.com and how does it gain access to the Fidelity account information if we're not going straight to the fidelity.com site? Is it another 3rd party FI aggregation service?

Coach Natalie

@perrynmyers, no problem! The Akoya option is on Finicity, which is a different aggregation service provider we use when Intuit is unable to connect to a specific bank.

-Coach Natalie

perrynmyers

Got it, thanks for the info @Coach Natalie, I'll give the workaround a try! 😄

cdorsi

This Akoya work around is doing a good job staying connected. However, it's not updating the share quantities; even if the transactions show sell or purchase of shares. On a brokerage or 401k account, I probably never would have noticed this, but on my HSA, this is something I check frequently. The shares count is how I know how much of the total value I have available spend immediately with my debit card.

Coach Natalie

@cdorsi, have you tried resetting the connection for the Akoya option to see if you get updated data?

https://help.simplifimoney.com/en/articles/4857199-how-to-reset-your-account-connections

Let us know how it goes!

-Coach Natalie

lencoh82

@Coach Natalie My understanding is that the Akoya feed only pulls the total from the account not the individual transactions. Is that information incorrect? I believe that is what Dale Kneivel told me.

Coach Natalie

@lencoh82, I believe that is definitely true for Investment Transactions, but holdings and market value/balance data should update in the Portfolio. 🙂

-Coach Natalie

lencoh82

Ah. You are correct @Coach Natalie ! I do see the holdings and market valuations in my HSA when using Akoya. Thank you for the clarification.

cdorsi

@Coach Natalie Resetting the connection doesn't help. I'm 95% sure that when I initially connected using Akoya that it didn't update the holdings, and all 3 accounts are just still showing the last holdings update they got from the older connection. I'm getting transactions for all 3 accounts using Akoya, and it looks like the price per share is getting updated, but the holdings are outdated on all 3 accounts and don't seem to change at all.

Unless there are some troubleshooting steps, I'll probably switch back to the old connection. The old connection kept 2 accounts always accurate and my HSA was at least accurate after I reconnected it, even if I did have to reconnect every time to update it.

Coach Natalie

@cdorsi, we can troubleshoot and potentially escalate what you're seeing on the Akoya connection, but you'll want to create a new post to do so since this thread is for the 324 error with Fidelity HSA accounts.

https://community.simplifimoney.com/discussion/8/how-to-post-to-the-community

However, if the issue does get escalated, it's possible that it won't be resolved before the Inuit connection issues are resolved. Totally up to you!

-Coach Natalie

Coach Natalie

Hey everyone! This issue has been fixed by Intuit. It's totally up to each of you whether you want to use the Finicity option or the Intuit option for Fidelity. Both use Fidelity's OAuth API to connect, and neither will support transaction downloads for HSA accounts. The transaction download limitations were set by Fidelity, not the aggregation service.

Let me know if anyone has any questions!

-Coach Natalie

JD-SanDiego

https://community.simplifimoney.com/discussion/comment/39559#Comment_39559

Does this mean we don't need to use Akoya anymore and can use Fidelity link? If "neither will support transaction downloads for HSA accounts", what is the best option for transaction download into Simplfi?

Coach Natalie

@JD-SanDiego, you can use either aggregator. Fidelity is who doesn't support transaction downloads for HSA accounts (they attribute it to risks with HIPAA from my understanding), you will want to enter the transactions manually.

https://help.simplifimoney.com/en/articles/6540220-managing-investment-transactions#h_103b01fa6f

I hope this helps!

-Coach Natalie