tag:infinitekind.tenderapp.com,2009-01-14:/discussions/online-banking/15756-discover-appears-broken-againInfinite Kind: Discussion 2021-03-01T14:50:26Ztag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-04-28T16:28:28Z2020-04-28T16:28:28ZDiscover appears broken again<div><p>Sounds like time for some antitrust action. Wake me when that happens.</p>
<p>From: at563jn <a href="mailto:tender+d353acc1d8@tenderapp.com">tender+d353acc1d8@tenderapp.com</a><br>
Reply-To: <a href="mailto:support@infinitekind.com">support@infinitekind.com</a></p></div>david.dtag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-04-28T18:19:28Z2020-04-28T18:19:30ZDiscover appears broken again<div><p>Everyone should post on the Discover Facebook page. Here was my post</p>
<p>I have moved my banking to Discover due to their great interest rates, great service and their support for automated downloads to Moneydance. Recently they changed something and the automated downloads are not working. Thousands of Moneydance user are reporting the same problem.</p>
<p>If you are only supporting quicken and not the OFX standard anymore. Please let us know so we can move to a different bank.</p></div>Brucetag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-02T16:42:55Z2020-05-02T16:42:56ZDiscover appears broken again<div><p>Response from Discover:</p>
<p>Thank you for your message and for your loyal business with Discover Bank. I understand your concern with downloading your transactions and I will be happy to help you.</p>
<p>At this time we are only sponsored with quicken for download on your account center. However, since you are using a different platform and it is no longer working as it should, I would encourage you to contact them directly.</p>
<p>If you have questions, click on the Help section of the Account Center or on the More option in the Mobile App to review our FAQs. You also can reply to this message or call us at 1-800-347-7000 (TDD 1-800-347-7454). Our 100% U.S.-based customer service team is available 24 hours a day, 7 days a week.</p>
<p>Sincerely,</p>
<p>Kiara</p>
<p>Discover Bank Customer Service</p></div>ExCobraPilottag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-02T17:37:24Z2020-05-02T17:37:24ZDiscover appears broken again<div><p>Thanks for keeping us up to date. It sounds to me like they told you they only care about customers who use Quicken, and you should tell us that's their decision. That's actually a fairly standard kind of response from larger banks, which is why we often tell people to pretend to be using Quicken if they have to contact customer service when first activating their accounts. For the record, we're happy to work with any financial institution that will support direct connections; this is usually just the kind of response we get.</p>
<p>We're still working on a solution, and will post updates when we have them.</p>
<p>Ethan<br>
Infinite Kind Support</p></div>Ethantag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-02T18:22:45Z2020-05-02T18:22:45ZDiscover appears broken again<div><p>just a user,</p>
<p>I also have an application called Trends associated with my bank account. I noticed today that the Trends program is also having issues with Discover. The Trends program is usually quite adept in connecting to any account. Even some that MD can't connect to. But today it is showing Discover as unavailable and I find my last transaction received was April 20th. So I think this may be a bigger Discover issue than just blocking all but Quicken.</p></div>mhoggietag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-02T18:39:11Z2020-05-02T18:39:15ZDiscover appears broken again<div><p>This just came from discover to me.</p>
<p>Thank you for contacting us through social media. We have made security updates and with these updates we no longer allow direct connect download options with any other service outside of Quicken, Quickbooks, and Emoney. If you wish to use an alternate software you are able to log into your Discover account and export the transactions directly from the Discover website. Does this help to fully address your concerns?</p>
<p>Time to find a new bank</p></div>Brucetag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-02T19:03:38Z2020-05-02T19:03:38ZDiscover appears broken again<div><p>I would suggest we all (here in the U.S.) contact our Senators and Representatives. This is pure anticompetitive action, and needs to be addressed at the Federal level. We will continue to experience this type of problem until then.</p>
<p>From: Bruce <a href="mailto:tender+d353acc1d8@tenderapp.com">tender+d353acc1d8@tenderapp.com</a><br>
Reply-To: <a href="mailto:support@infinitekind.com">support@infinitekind.com</a></p></div>david.dtag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-02T19:33:40Z2020-05-02T20:51:07ZDiscover appears broken again<div><p>Is Moneydance using OFX 2.2? Discover may have migrated to the latest standard and using OAuth token for greater security.</p>
<p>Just an idea.</p></div>Brucetag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-02T19:33:45Z2020-05-02T19:33:45ZDiscover appears broken again<div><p>FWIW, I realized that Discover was doing this; and, my solution was to just stop using the Discover Card (and, I moved funds out of Discover Bank to another bank). Fact is, Discover rates are not really that great and there are better deals, and better cards/banks out there.</p></div>shoppertag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-02T19:49:04Z2020-05-02T19:49:04ZDiscover appears broken again<div><p>A perfectly rational solution, and one I will consider as well. Didn’t mean to get political here on the board.</p>
<p>From: shopper <a href="mailto:tender+d353acc1d8@tenderapp.com">tender+d353acc1d8@tenderapp.com</a><br>
Reply-To: <a href="mailto:support@infinitekind.com">support@infinitekind.com</a></p></div>david.dtag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-02T19:56:54Z2020-05-02T19:56:55ZDiscover appears broken again<div><p>I just moved my accounts to Discover because Direct Connect was supported between MD and Discover, I hope I don't have to move them again :(</p>
<p>Just curious: Why is it so difficult/time consuming to get the connection working again, is Discover unresponsive, is there actually back and forth communication occurring to resolve?</p></div>Dantag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-02T21:41:59Z2020-05-02T21:41:59ZDiscover appears broken again<div><p>I sure hope underlaying problem is not a move by Discover to implement MFA like another bank I have (Pacific Premier). PPB's recent move to MFA (though it need not in theory) does indeed now only allow Quicken/Quick Books and, at this time, PPB seems to have no interest in allowing access for any other products. I hope we are not seeing the first ripples of a bigger OFX problem wave.</p></div>avp2tag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-03T21:47:00Z2020-05-03T21:47:00ZDiscover appears broken again<div><p>Just moving over to MoneyDance after Quicken's mandatory conversion to their subscription service for online services as of April 30, 2020. I do find it suspiciously convenient that Discover stopped working with services other than Quicken at precisely the time when there is presumably a large number of Quicken users searching for an alternative service... Circumstantial collusion if I ever heard it...</p></div>mbourdeau09tag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-03T22:23:52Z2020-05-04T17:38:00ZDiscover appears broken again<div><p>I wonder what the financial arrangement is between Quicken, Discover, and other participating financial institutions. Discover still allows logging onto their website and downloading transactions, while this is not as convenient as Direct Connect, it does provide the service. MD may indeed come up with a solution, but after a month I am not that confident, and if indeed it's collusion between Discover and Quicken, we will have to be content with the lesser method of logging on.</p></div>Bobtag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-04T12:06:10Z2020-05-04T12:06:10ZDiscover appears broken again<div><p>I think you should post this on discovers Facebook page. Social pressure may be the way to get them to change. </p>
<p>Sent from AOL Mobile Mail<br>
Get the new AOL app: mail.mobile.aol.com<br>
On Sunday, May 3, 2020, mbourdeau09 <a href="mailto:tender+d353acc1d8@tenderapp.com">tender+d353acc1d8@tenderapp.com</a> wrote:</p>
<p>#yiv4264696631 pre {width:92%;margin:10px 2%;padding:5px 2%;background:#efefef;border:1px solid #d6d6d6;}#yiv4264696631 blockquote {margin-left:0;padding-left:1em;border-left:5px solid #ccc;} |</p></div>Bwr1338tag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-04T22:41:20Z2020-05-04T22:41:21ZDiscover appears broken again<div><p>I too would like to know if "we are only sponsored with quicken" means that Intuit pays the bank to allow direct connections from their software.</p>
<p>And do these "security updates" have less to do with security, and more to do with putting pressure on third-part software vendors to pony up some cash?</p></div>Christag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-04T22:44:00Z2020-05-04T22:44:00ZDiscover appears broken again<div><p>I’m glad I’m not the only one who thinks this is (or should be) an antitrust matter. One way or another, it’s got to be about making a lot of noise.</p>
<p>From: Chris <a href="mailto:tender+d353acc1d8@tenderapp.com">tender+d353acc1d8@tenderapp.com</a><br>
Reply-To: <a href="mailto:support@infinitekind.com">support@infinitekind.com</a></p></div>david.dtag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-07T15:35:48Z2020-05-07T15:35:48ZDiscover appears broken again<div><p>I would go as far calling it collusion between these two companies, unfortunately, I am in Puerto Rico and our US Rep has zero voting power or any power at all in the US Congress.<br>
They are hiding behind improved security, which is BS, because this new security level should be available to all, and not just one company/product that I have stayed away from for a long time already (yes, I know Quicken is no longer Intuit but their business attitude did carry over to the new owner). To my knowledge, Quicken uses proxy servers, which means transactions go through their servers first, before they are downloaded to the app. Now someone please tell me how it is more secure having your data travel through another party's system, and they will counter with it is encrypted, but how do we know the encryption key is not shared with them? This could all be part of Big Brother watching and wanting to know everything, so much for a free country.<br>
I have 5 different Discover accounts and manage my family members accounts and I now have to log into three different accounts and download 5 files and import each. Every time I log out from Discover asked how they are doing and I give them the worst rating now. Their messaging portal sucks too when I get notified that a new statement is available, it takes me 5 clicks to get to it. It also appears they cut down on the subject areas when writing to them, and their replies are useless. I moved to Discover because they offered direct download to MD, and if this issue is not solved soon I will have to find another bank and drop Discover. Corporate America just does whatever they want with us, the customer and this has to stop.<br>
I have and keep experiencing so many issues with the iOS app and their online portal, and it is getting worse. Face ID logins fail or is disabled and will now enable. Every time I make a Zelle payment it takes me through the setup process, again requiring too many clicks and wasting my time. Downloading transactions for older periods is only exporting 90 days no matter what range you choose, and they allow up to 24 months of data to be download. Their response was to clear my browser's cache and cookies, really? They must think we are stupid and must except their incompetent answers. If you let me choose a date range, how does clearing the browser data solve this issue?</p>
<p>I am really pissed now at this bank.</p></div>matthiastag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-08T23:38:53Z2020-05-08T23:38:53ZDiscover appears broken again<div><p>I'm curious if Infinite Kind will let us know when they've given up so I know when to start looking for a new financial institution who will allow direct connect? I don't blame MD but hope we're not kept hanging when there is no further action expected...</p></div>Dantag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-09T20:55:21Z2020-05-09T20:55:22ZDiscover appears broken again<div><p>I sent an email to two executives at Discover to complain and ask that they reconsider their decision. I received a call back from one of their assistants. I made the case to add back OFX support. I ask that they give me an answer ASAP but no later than mid June so all Moneydance users can move on. <br>
I will post their answer when it comes<br>
FYI. I am looking at Schwab as a possible alternative. </p>
<p>Sent from AOL Mobile Mail<br>
Get the new AOL app: mail.mobile.aol.com<br>
On Friday, May 8, 2020, Dan <a href="mailto:tender+d353acc1d8@tenderapp.com">tender+d353acc1d8@tenderapp.com</a> wrote:</p>
<p>#yiv1682628160 pre {width:92%;margin:10px 2%;padding:5px 2%;background:#efefef;border:1px solid #d6d6d6;}#yiv1682628160 blockquote {margin-left:0;padding-left:1em;border-left:5px solid #ccc;} |</p></div>Bwr1338tag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-10T00:06:34Z2020-05-10T00:06:34ZDiscover appears broken again<div><p>I'm taking a slightly different approach.</p>
<p>I've reduced all of my Discover Card activity to one $19.85 recurring transaction that occurs every 90 days. It's for a TracFone lease.</p>
<p>I figure it's worth it for me since Discover provides a free FICO score and it's always good to have the extra available credit.</p>
<p>Manually downloading the data file every 90 days will not be a problem.</p>
<p>-Kevin N. (not a member of MD support)</p></div>-Kevin N.tag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-11T16:23:31Z2020-05-11T16:23:32ZDiscover appears broken again<div><p>I am sorry to report that Discover has decided to no longer support automated downloads via OFX or similar file formats per their executive offices.</p>
<p>I sent an email last week, see above, and they called me to get more info. They called today to say they are not going to support anything but quicken.</p>
<p>I told them they would loose me and other customers but at this time they are willing to risk that.</p>
<p>I am disappointed but now I can move on.</p>
<p>I am looking for an institution that offers:<br>
1. Full banking services like bill pay 2. High interest rates on savings 3. Full support for OFX and Moneydance</p>
<p>Schwab looks interesting as well as Creditunion1.org credit union (MoneyDance needs to add support, they state on their web site they fully support OFX).</p>
<p>Any other ideas would be appreciated. I hope to transition within the next 30 days.</p></div>Brucetag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-11T17:37:39Z2020-05-11T17:37:39ZDiscover appears broken again<div><p>I use US Bank and American Express credit card as my go to's. Both work well with OFX - so far. American Express is about as good for as any credit card out there. US Bank has provided some good CD rates, but is pretty typical of the big banks as to charges and interest. US Bank does charge $3.95/mo for Bill Pay, but OFX transaction download is free and both have worked well. US Bank's VISA credit card has pretty good cash back too.</p>
<p>My other bank, Rabbo, dropped OFX service when they became Mechanics Bank. OFX (free) is supposed to come back when Rabbo's accounts are switched to Mechanics Bank. Will have to wait until the switch (June 1) to find out for sure. Rabbo has been pretty conservative with low interest and average charges. They do have very good customer service, at least locally.</p>
<p>For investments, I use Vanguard and its OFX service is free and good.</p></div>avp2tag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-11T22:51:48Z2020-05-11T22:51:48ZDiscover appears broken again<div><p>Ok, I guess I'm going to start looking for a new credit card provider. What are my best CC options with OFX support and excellent benefits?</p>
<p>-- Michael</p></div>mhcrowdertag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-12T00:33:12Z2020-05-12T00:33:12ZDiscover appears broken again<div><p>just a user</p>
<p>we're into "million mile secrets" territory - ie. finding a credit card that provides best cash returns, or airline or hotel points.</p>
<p>and with the added - automatic OFX support.</p>
<p>I don't have any suggestions, as everyone is different - but Discover should be explicitly informed why you are getting rid of them. I'm doing that with my savings account I'm moving.</p></div>dtdtag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-12T01:43:51Z2020-05-12T01:43:51ZDiscover appears broken again<div><p>just a user,</p>
<p>Chase Visa still works for me. But who knows. I've noticed that my Fidelity 401K is acting the same way. No errors, but no transactions for April. My Fidelity IRA still works. Strange. There is no guarantee that the other banks won't follow suit. I think the best direction for MD is to continue to develop the auto browser interface so MD can go in as a user. Most all still support the user browser access. But who knows for sure.</p></div>mhoggietag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-12T02:47:36Z2020-05-12T02:47:36ZDiscover appears broken again<div><p>I'm a fellow user.</p>
<p>Development of the internal browser and its automation I believe is the best approach, but for a wider range of reasons. In the U.S. banks seem to be dropping Direct Connect systems, I suspect that is on the sole basis of saving money. Quicken Web Connect, despite Quicken charges, as a Internet Banking add on would be cheaper. Quicken would not object to the lock in it can facilitate.</p>
<p>Direct Connect was created by a U.S. consortium, it has been adopted by a subset of U.S. financial institutions. I am unaware of anywhere else in the world that uses it, unless there are some institutions that straddle U.S./Canada, so even in North America it is not a universal system.</p>
<p>In many countries Internet Banking Systems are the norm so software that can drive these systems to filter, download and import data from these systems would mean the software can offer the capability across many more countries and with institutions that do not support Direct Connect. With Web Connect Quicken have done some of this in North America, but it is not universal as you would expect with something that has a visible cost and it is a proprietary system.</p>
<p>Successful automation on the Moneydance side would open up more institutions in many countries, I do not see any sign of Bank's closing down their Internet Banking Systems, these systems extend widely over their customer base and not to just people that use financial software. If anything I expect they will encourage more and more use of these systems as the costs are lower, so I feel that these systems will be around without any desire on the part of the Bank's to shut them down, they do not want customers in the branches nor really at the other end of a phone.line.</p></div>dwgtag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-12T16:17:29Z2020-05-12T16:17:29ZDiscover appears broken again<div><p>Discover, like most global mega-corporations, simply doesn't care about any small/individual account. The fact that I've stopped using my Discover Card and withdrew my funds from Discover Bank (and told they why), means nothing to them. It doesn't bother me that they don't use Direct Connect, but rather that they support Direct Connect for Quicken and no-one else. Discover does not care, but not supporting their business model (or Quicken's business model), satisfies me. Also, other companies have better rewards and rates than Discover; i.e. they are on the low end of being competitive for internet banking.</p>
<p>So, Moneydance, stop wasting your time with Discover. Leave it at web-connect for those that want to use Discover, and spend your programing time on something more productive. Discover is a lost cause.</p></div>shoppertag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-12T16:28:32Z2020-05-12T16:28:32ZDiscover appears broken again<div><p>Back to my earlier point. We are not going to get Discover to change with our individual actions, and collectively make zero difference to their business. The only possible route to action is antitrust. I’m not optimistic about that, and it certainly won’t happen soon enough to matter to any of us; but if we want this kind of BS to stop, we must do it through our respective regulators and legislators, wherever we live.</p>
<p>From: shopper <a href="mailto:tender+d353acc1d8@tenderapp.com">tender+d353acc1d8@tenderapp.com</a><br>
Reply-To: <a href="mailto:support@infinitekind.com">support@infinitekind.com</a></p></div>david.dtag:infinitekind.tenderapp.com,2009-01-14:Comment/482272292020-05-19T14:58:28Z2020-05-19T14:58:28ZDiscover appears broken again<div><p>No recent update from Infinite Kind support. Is the Discover download a lost cause? Any chance if getting the Discover download to work again?</p></div>kwbear