new problem with an old account not allowing access: error 2000
Hello,
I have two separate Chase credit card accounts that I have tracked with Moneydance for years. Today MD asked me for the login credentials for each, which are separate (one belongs to my wife, one belongs to me). My wife's logs in fine, but mine returns a 2000 error code indicating the server denied access. When I called chase, they verified I am successfully logging into the account from the website directly but it indicates that MD is not querying its servers at all. I have deleted and recreated both connections and uninstalled/reinstalled MD (which yesterday gave an indication it had been damaged somehow, but was resurrected with a computer reboot). Ideas?
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31 Posted by yezdit on 21 Nov, 2015 03:24 AM
Same here. Tried all approaches except rubbing belly... that didn't work either.
32 Posted by rsteveslater@ma... on 21 Nov, 2015 03:38 AM
Here is an email alert I received today from Quicken. I wonder if this is related to the problem we are experiencing. It indicates that "security upgrades being performed by the financial institution services" may soon impact the ability to use connected services "to sync, connect, or download financial information into Quicken”.
From: "Quicken" <Quicken@e.quicken.intuit.com>
Date: November 19, 2015 at 3:30:38 PM EST
Subject: Critical Service Alert: Security standards impacting Quicken Mac 2006 and 2007
... older versions of Quicken and Mac OS X may soon be impacted by security upgrades being performed by the financial institution services they connect to.
Here's what you need to do.
If you are using Quicken Mac 2006, you will no longer be eligible to use connected services to sync, connect, or download your financial information into Quicken as of December 2015. If you would like to continue to sync, connect, and download your financial information, you need to upgrade to the latest version of Quicken for Mac and ensure that you're using Mac OS X 10.9 or later.
33 Posted by Ted on 21 Nov, 2015 02:33 PM
So far, the evidence including requests by Chase to log on and reactivate/verify accounts for Quicken/Quickbooks users (which I did, but which did not solve the problem) points to changes in Chase's procedures. I see no way individual users will be able to address this problem successfully at this point, believing rather that it will have to be addressed by a technical fix through IK and Chase if at all.
34 Posted by rabbit6.ca on 21 Nov, 2015 05:33 PM
I'm also having the same issue. I upgraded my software to 2015.6 (1299)/Mac OS X. I disabled online banking for each and for some reason, I was able to re-setup my wife's Chase credit card. But it keeps saying "Downloaded zero transactions...", even though I know there's some new transactions. For other Chase accounts (checking and other credit cards), I keep getting the "2000" error and it won't set up those accounts.
I also sent a Chase a message via their secure message system.
35 Posted by david.atherton on 21 Nov, 2015 08:22 PM
I completely agree with Ted. We, the users, can't fix this. IK need to step up to the plate.
36 Posted by Ian L on 23 Nov, 2015 12:17 PM
Hi All,
We're doing what we can on this one, though we have no control over the Chase server and no influence with Chase. I'm looking at what PocketSense is doing to be able to connect to see what we are doing differently. I also encourage everyone to contact chase as well to report this. It does sound like they might still be dealing with an issue, so it doesn't hurt to let them know it's possible affecting you as well.
Hopefully I'll have more updates for you shortly. I'm sorry for the inconvenience!
Ian
Infinite Kind Support
37 Posted by -Kevin N. on 23 Nov, 2015 04:11 PM
Hi All,
I just received a new email from Chase... It starts out the same as prior ones requiring confirmation of identity but then goes on a little differently.
Dear Chase Online Customer:
The privacy and security of your financial information are very important to us.
The first time you access your accounts after November 25 using Personal Financial Management (PFM) software such as Quicken® or QuickBooks® we will ask you to confirm your identity.
We'll send instructions to your Chase OnlineSM Inbox in the Secure Message Center upon login to your PFM software. You will need to sign in to chase.com on your computer to view the instructions and complete the steps.
If you do not take action by February 15, 2016, you will not be able to access your accounts with your PFM software until this has been completed.
We're here to help
If you have questions, please call us anytime at 1-877-CHASEPC (1-877-242-7372).
Thanks for choosing Chase.
Sincerely,
Lisa Barrett
Executive Director
Chase Consumer and Community Banking
38 Posted by Ian L on 23 Nov, 2015 07:04 PM
Hi Kevin,
Thanks for the additional info. After some research this morning and with that message, I think I understand what they are doing on their server now. It does require a slight update to our connection information in Moneydance. Hopefully we'll have that update applied by the end of the day, and I'll let everyone know when it's updated. After that, you'll need to reset your connection in Moneydance one more time using the new connection button, and then do whatever it is Chase is asking you to do to confirm your identity. I'm not sure the exact order you should do this (confirm first, or re-connect first), but hopefully we'll get it sorted with some trial and error.
So, some progress! I'll update again once our new connection to Chase is ready.
Ian
Infinite Kind Support
39 Posted by fj58 on 24 Nov, 2015 12:10 AM
Here is what I just got from Chase after I
responded to their "you will need to authenticate
your PFM software" referenced below:
"Your PFM software is active on your online account. If
you give your chase.com user name and password to services
like Quicken(R)(1), you could be responsible for
fraudulent transactions or unauthorized activity as
outlined in the terms and conditions section of your
service agreement. We're serious about protecting your
personal information. You can visit chase.com/security for
more information. "
Wow!
At 10:11 AM 11/23/2015, -Kevin N. stated:
40 Posted by rsteveslater@ma... on 24 Nov, 2015 01:28 AM
Message I received from Chase:
"Thank you for contacting Chase about managing your account
with a personal accounting software.
I would like to share with you that protecting your
account is a top priority to us. That's why we have
suspended access to chase.com for some services like
Quicken and Mint.com. You can try again later. And you can
always access chase.com directly to view your account
information."
41 Posted by david.atherton on 24 Nov, 2015 09:02 AM
The above quoted Email from Lisa Barrett, Chase Executive Director, would appear to be the definitive answer. Let's wait until Nov 25 and see if Ian has made the necessary adjustments.
42 Posted by Ian L on 24 Nov, 2015 06:20 PM
OK, I've made what I think are the needed changes to our connection with Chase. You'll need to reset using the New Connection button in order to get the new settings. However, with those more recent emails, it almost sounds like Chase and Intuit and having some kind of disagreement. Hopefully, the connection will keep working, but we'll see.
Ian
Infinite Kind Support
43 Posted by Ted on 24 Nov, 2015 08:55 PM
Ian, thanks for your ongoing assistance. I was able to log into one of my two accounts (having separate usernames and passwords, one belonging to my wife and one to me)--was initially denied on the one that now works and then it worked with retrial. No idea why. So maybe we're on the way, but the problem isn't quite solved yet.
44 Posted by fj58 on 24 Nov, 2015 11:58 PM
I appreciate everyone's work.
My Chase Ink corporate card is now talking to MD (unique login)
United Presidential and United Explorer are not (shared login).
Progress!!
At 02:55 PM 11/24/2015, Ted stated:
45 Posted by Brian Tajuddin on 25 Nov, 2015 05:49 AM
I disabled online banking on both Chase accounts, closed MD and relaunched
it. I created a new connection for my first account and logged in fine. For
the second account, whether I created a new connection or didn't, it still
didn't work. Is there something I need to do to make sure I get the updated
connection configuration?
-Brian
46 Posted by Ted on 25 Nov, 2015 02:01 PM
Same exact scenario here. I think it still likely has something to do with changes in the way Chase allows access.
47 Posted by david.atherton on 25 Nov, 2015 02:09 PM
Well, it's now Nov 25 and nothing appears to have changed. Still can't use MD with my Chase account, though my wife's is still working despite MD not remembering her log-on name.
48 Posted by -Kevin N. on 25 Nov, 2015 03:30 PM
Hi David,
I'm seeing no changes either and no prompt from Chase to go to my secure inbox for instructions.
Technically though, Chase did say "after" November 25.
-Kevin N.
49 Posted by lofty on 26 Nov, 2015 03:23 AM
I have the same problem, and spent some time tonight with Chase Technical Support. They say that what happens is that the software has to create an (I think) User UID. After it does that they will generate a message in your Secure Mailbox giving you a link to click to confirm that you want to download. After that it should work.
I have two Chase accounts – one for me, one for my wife. The one for me got the Secure Mailbox message. The one for my wife did not. I suspect that the problem may be that for multiple accounts, Chase is expecting two User UIDs, and Moneydance is only generating one UID for each file with one or more Chase accounts.
I could if I had time check this hypothesis by generating a new Moneydance file and putting only my wife's account in it, then trying to download from Chase. If I'm right, this should (a) fail the first time, (b) cause Chase to send a Secure Mail note saying you need to activate Quicken downloads, and (c) start working after I'd done this. But probably that UID would be useful only for the new file.
If all this is right, what has to happen is that Moneydance has to create separate UIDs for the different Chase accounts. This would be something of a pain to do, since I have several different credit cards in my account and my wife has two in hers (yes, we have too many credit cards). But it should be doable – program Moneydance to create separate UIDs for each account with a different user name and password.
Lofty
50 Posted by david.atherton on 26 Nov, 2015 04:29 PM
If an end user such as Lofty can obtain such detailed info directly from Chase, one is bound to wonder why MD can't. Pretty poor response to date.5
51 Posted by lofty on 26 Nov, 2015 04:47 PM
I think the Moneydance folks are doing a really good job of maintaining a complicated product in an ever-changing online world, with a truly astounding number of user setups and needs. If my hypothesis is correct – and I don't know that it is – the key is thinking about the probably small number of users like us who not only have multiple credit cards but also have two different accounts, one in the name of the user and another in the name of a spouse or significant other. The Chase tech support folks didn't think of that until I pointed to it.
Were I the programmer, or the debugger, I probably wouldn't have thought of it if it didn't apply to me. And note that Mondeydance worked just fine with Chase for me and I think many others for a long, long time, despite our unusual setup.
52 Posted by rabbit6.ca on 26 Nov, 2015 08:03 PM
I just tried Moneydance and on my account, it won't let me set them up (the same error 2000). On my wife's account (which worked before, but never would download anything), I disabled it, then re-setup the account and now it downloads.
I agree with lofty, I think Moneydance is doing a great job on their end. I'm not sure how much they can do on their own and how well they can get support from Chase (do they have Chase accounts). It sounds like though that many people here have multiple accounts and credit cards with Chase. I'm not sure how "small" that is (or maybe we're just all running into the same problem and on here).
Happy Thanksgiving, Joe
53 Posted by Ian L on 27 Nov, 2015 04:07 PM
It should be possible to confirm whether or not Moneydance is generating separate Client IDs using the connection logs. Here's how to get the logs:
You can then search the text file for the tag on each connect. It should looks something like this:
8b4cb57452754a68a6fc3e9779158d77
There should be a different ID for each of your accounts. If not, let me know and I'll work on correcting Moneydance so that it's generating the IDs properly.
Ian
Infinite Kind Support
54 Posted by -Kevin N. on 27 Nov, 2015 04:46 PM
Hi Ian,
In my case, both my account and my wife's account (different user logon's and passwords) are generating the same < CLIENTUID > numbers in the console window.
BTW, Pocketsense is now throwing an error on both accounts. In the body of the OFX files for each account is the following message:
"Please verify your identity within the next 7 days. Using your desktop computer, go to your bank’s website and visit the Secure Message Center for instructions."
There was, however, no message in the Secure Message Center.
HTH -Kevin N.
55 Posted by Ian L on 27 Nov, 2015 05:14 PM
Thanks for the update, Kevin. I'll look into providing different IDs for different accounts. It's little odd that Chase works this way, as other banks that use the same OFX version as Chase work fine with multiple accounts in Moneydance. However, if assigning separate IDs will make the connection work, that's what we'll do!
Please let me know when PocketSense starts working for you again also. It sounds like this chase update is still ongoing.
Ian
Infinite Kind Support
56 Posted by Ted on 27 Nov, 2015 05:27 PM
Hi Ian,
I have saved a file including all the errors, etc. I am unsure whether it is creating two UIDs but from what I can tell the answer is no. If you would kindly provide me a link where I can send the potentially private information to you securely I am happy to forward it to you.
Thanks,
Ted
57 Posted by Ted on 27 Nov, 2015 05:36 PM
Also, from what I can tell by searching the document, only one user ID is being accessed for the two accounts.
58 Posted by lofty on 27 Nov, 2015 06:04 PM
Ian,
I think I can confirm that Moneydance is creating the same UID for both Chase accounts.
Here’s what I did:
1. Downoad Transactions from an account that worked. Console showed a long < CLIENTUID>
2. Tried to enable transactions from an account that didn’t word (I’d disabled them before). Chose “New Connection,” chose “Chase” from the list of possibilities. Got to the point where Moneydance was trying to verify the connection, and got the usual error message. Console showed the SAME < CLIENTUID> as for the other account.
So it seems to me that maybe the problem is that Chase expects a different < CLIENTUID> for each separate user name/password account.
Lofty
59 Posted by Ian L on 27 Nov, 2015 07:20 PM
It does seem that Chase is expected a different ClientUID for each username. This is actually contrary to the OFX specification. The ClientUID is supposed to identify one computer or data file, not one account at the institution. So, for example, you would expect to send a new ID if you created a new data file, or connected from a different computer (depending on the software). However, connecting with the same software from the same computer using the same data file should require using the same ID, even if you are connecting to different accounts.
Unfortunately, if this is indeed how Chase is implementing the specification, the fix could be a little trickier than expected. We have to make sure that working around Chase's quirks doesn't break all of the connections to banks that have implemented the specification properly. I'll check in with our lead developer about this, and hopefully we can have work-around available as soon as responsibly possible.
Ian
Infinite Kind Support
60 Posted by lofty on 27 Nov, 2015 07:34 PM
Thanks, Ian. Interesting to know about the OFX specification … and presumably Chase figures it’s Too Big To Fail and Too Big To Bother Following The Rules.
We’re about to prune our credit card accounts. I’ll put Chase accounts at the top of the list.
Lofty