Account Reset Error with Vanguard (edited)
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// 2025-04-03 The connection between the Simplifi web app with Vanguard seems to be working now. Reconnections happened for my non-Vanguard accounts - seems to something got updated between the aggregator and/or the source data institutions.
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I couldn't connect through the web app or through the iphone app, but eventually I found a way.
I logged on to the Vanguard site on a web browser and went to my Security Settings in Profile & Account Settings. There's a link to an Aggregation Security page, and I deleted the existing token for Intuit that was there. I then logged out of Vanguard (important to log out before opening Simplifi) and opened the Simplifi app on my iPhone and added the Vanguard account through Settings (this won't work if you try adding the account on the Simplifi web version). Be patient when you get the screen that says it's adding the account, because it took nearly 4-5 minutes for mine to link. Also, when it first linked my accounts, the balance in Simplifi was zero and I had to close the app and open it again so that it would refresh and show a balance.
I'm not sure this will work for others who still can't link to Vanguard, but I tried every combination of ways to link the account, and this was the only way that would work for me.
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Thanks, Iwyman, for documenting your experience and sharing it with everyone! However, it doesn’t make sense to me in the context of how web app products generally work. If the connection between Intuit and Vanguard can be established on the backend, the front-end platform (e.g., Simplifi web, Android, iOS, iPadOS) used to access Vanguard via Simplifi shouldn’t matter.
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I can't understand it either, but clearly the Simplifi web version can create the security token on the Vanguard website but it can't establish a link to the account data. And, once that token is set (and no account link established) other Simplifi apps that try and create a link just spin until you abort the process. If you delete the token on Vanguard's site, the iphone can then create a new token and link the data (at least it did for me). If you delete the token on Vanguard's site and then try a new account link from the web app, all it does is re-token the Vanguard web site but cannot link the account data. Once that security token is reset, it seems that other apps cannot establish a new account link with Vanguard.
I only happened on this through a lot of trial and error - until it worked. It would be nice if the Simplifi web app just worked for Vanguard, but I believe most think the errors are on Vanguard's side of things. I'm dubious of that, since it does work on the phone app.
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Thank you for sharing your thoughts, Iwyman! It’s highly unlikely that the issue is on Vanguard’s side. I also use a different financial app that accesses Vanguard through a third-party aggregator (e.g., Yodlee). Well, Intuit, the ball is in your court! This has been a very frustrating user experience that doesn’t make sense at all.
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Vanguard is STILL BROKEN.
I re-connected with the mobile app yesterday, but when I logged in this morning it was broken again.
FIX THIS PLEASE. This is clearly not a "problem Vanguard's side"
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I am also having an issue with Vanguard yet again. This is after the Target credit card connection was broken for weeks.
The Vanguard workaround of using the Simplifi mobile app to reload doesn't work either. I get an error message stating, "Safari can't open the page. The error was: 'Load cannot follow more than 20 redirections.'" (The workaround was suggested by Coach Natalie here:
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I have re-linked twice now in the iPad app, which seems to work until the next day when it is broken again.
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Hey everyone!
The persistent reauthorizations with Vanguard is a known issue:
While the issue is worked on, users will need to continue reauthorizing when prompted for their accounts to stay connected and updated. If you experience any trouble reauthorizing from the Web App, try the Mobile App.
Thank you all for your patience as the issues with Vanguard are worked on!
-Coach Natalie
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I understand that technical issues can take time to resolve but this issue has been going on and off again for months on end. Particularly frustrating in view of the enormous rate increase for this service.
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Agree, and it's not just limited to Vanguard. There's been a months-long, still-ongoing issue with the Target card, for example. I do not recall having so many repeated issues with Mint, which was free.
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I agree, this is not a Vanguard problem. For weeks have had to reauthorize each time. Then it stopped working. Today tried Iwyman's solution, which was at least some troubleshooting but now simply getting Unable to connect to zzz-Vanguard (after doing sign-in, etc. on the Vanguard screen). I think what's tiring is always hearing that it's the financial institution's fault when my other apps have no problems downloading from those same institutions. This went on for nearly a year with PenFed, then Capital One for a while. I used to have two Simplifi accounts — I used one to manage a family member's finances — and cancelled that one after 11 months of connection issues where Simplifi only said it was the other institution and no ETA on a fix. This will probably be the year I end my remaining subscription.
On a side note, I see on Wikipedia that in 2022, Intuit/Quicken was sold from one financial firm to another private equity firm, Aquiline Capital Partners. That, in general, would explain a lot to me about raising subscription rates and letting a company's product limp along with known issues.2 -
I found a solution that has worked for me, not sure if it is temporary. First, using the web-based version of Simplifi was a mess. Rarely got past the stage after entering in username/password for Vanguard, although one time the Vanguard accounts (Vanguard Dashboard) page showed up in the Simplifi popup window. I think that's a Simplifi problem.
I had previously tried, multiple times, Iwyman's solution (deleting the Intuit security token on the Aggregation Security page. What finally worked was completely deleting my Vanguard accounts from Simplifi, which I did from the web version. Then I deleted the Intuit token. And then, from the Simplifi app, I added the Vanguard accounts. I don't know how this impact my Simplifi account history, but today's balances are correct. Will see if they update the balances in a few days. To me, this seems to be an issue that Simplifi did not know how to match the accounts coming from Vanguard to the existing accounts and got stuck. I don't see how this is would be a Vanguard issue.0 -
Lacking the basic functionality of updating Vanguard accounts is becoming increasingly frustrating. It was acceptable when I could reconnect by creating a new token every time I wanted my balances to refresh, but now that doesn't even work. Regardless of how many of the above fixes I try, Simplifi will not connect to Vanguard any longer, making it a largely useless app. If I can't track all of my account balances, tracking but a few of them has no purpose.
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I've been able to use other aggregation services to link to my Vanguard accounts recently so I do not think this is a "Vanguard Issue" either. It seems like something is broken with Simplifi. I plan to not renew my subscription this year as not having access to my Vaguard balances is a deal breaker for me.
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[Removed - Language/Rant]
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On April 28th Simplifi quit reconnection to Vanguard. I Have seen nothing posted on the issue since early April. Am I the only one who is not able to connect to Vanguard? Is there a fix of which I am not aware? Please help.
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@Ghlolo , See the attached advice from another poster. This helped me but it can be tricky. No guarantee the fix will stick either. I've done this a few times.
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Thank You SmartCents: I had attempted that fix unsuccessfully several times. You Forced me to Read the Directions more carefully and am now reconnected. THANK YOU SO Much!!!
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Still having same issue. I was told by support to bookmark this message to get notified when it is fixed
https://community.simplifimoney.com/discussion/12055/ongoing-4-9-25-vanguard-returns-an-fdp-350-error-persistent-reauthorization-prompts#latest
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As a new user on Simplifi, I have tried adding my Vanguard account unsuccessfully. I am trying the investors.vanguard.com link. I get to the page, log in, and I get a message that says that page isn’t working right now. It gives a link for “personal accounts”, though. When I follow that, it logs me in, but doesn’t connect to Simplifi. It just logs me into the Vanguard site. Ideas? Solutions?
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@BVesel, are you trying from the Web App or the Mobile App? The Mobile App seems to work better for Vanguard users.
Let us know!
-Coach Natalie
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Latest on 2025-05-10 Saturday:
- Via Simplifi Web App, delete your "zzz-Vanguard…" account (along with all the historical data)
- Add Account - Search "Vanguard", go ahead and use the "investor…" URL (Vanguard side doesn't care).
- Volià (n=1 for myself.)
Will monitor the connection for next Production Release Sprint to see if this is solid.
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[Removed - Duplicate Post]
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The solution described in the second paragraph worked for me.
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