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Downloading from RobinHood

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monty

May 21, 2024 @ 10:55 PM

Has anyone donwloaded from Robin Hood? I am setup but getting this message:

There was an error communicating with your financial institution. The details of this error are below.

Bank Name:Moneydance+
Account:Robinhood
Account Number:

The error code reported by the server was: 0

Error type: INVALID_INPUT
Error code: ADDITIONAL_CONSENT_REQUIRED
Item ID: NKFbgMnBvvi935oJqLKVhDnR9v8OJ4HR3YKZQ
Request ID: TKdhREpHxYg1Afs
Message: client does not have user consent to access the PRODUCT_INVESTMENTS product

Has anyone accomplished downloading transactions? I just spent an hour on online chat to be told "Please understand, Robinhood connected thru Plaid has to be linked to a supported bank, not thru 3rd party finance apps.
You can reach out to your apps support team to resolve this concern."

1. 1 Posted by monty on May 24, 2024 @ 12:31 AM

   

   Looking a bit further after some googling, I saw this https://plaid.com/docs/errors/invalid-input/#additional_consent_req... which in turn led to this https://plaid.com/docs/link/update-mode/#using-update-mode-to-add-a... and this https://plaid.com/docs/link/data-transparency-messaging-migration-g...

   This all made me wonder whether there is actually something on the plaid api interface that needs to be modified to request the Investments product for me to agree to?

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2. 2 Posted by dwg on May 24, 2024 @ 01:13 AM

   

   I've posted a link for the developers attention.

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3. 3 Posted by monty on May 24, 2024 @ 03:21 PM

   

   Thank you! If I can be of help in the next few weeks, please let me know.

   Bryan.

   On Thu, May 23, 2024 at 9:13 PM dwg <[email blocked]> wrote:

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4. 4 Posted by Brad Heckman on Jul 03, 2024 @ 02:08 PM

   

   Just checking in to see if there was ever any progress yet on this topic? I have been having the same issue for quite some time.

   Thanks!

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5. 5 Posted by sth on Jul 03, 2024 @ 11:18 PM

   

   It sounds to me (not being a robin hood client) that it is RobinHood that is not authorized to let plaid download. There may need to be an extra step with Robin Hood to add Plaid to the authorized downloaders. This is a quite common and essential security matter to allow only certain apps and certain registered computers to download financial data.
   (NOT IK support)

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6. 6 Posted by monty on Aug 02, 2024 @ 09:08 PM

   

   I disagree with sth. The plaid documentaion says:

   For Items with the consented_products field set, you will see the error code ADDITIONAL_CONSENT_REQUIRED if you do not have consent to a product you are trying to request. This is the same error you would get if you are not enabled for the product.

   To resolve ADDITIONAL_CONSENT_REQUIRED errors, you will need to send the user through update mode.

   As posted initially, the response I got was Error code: ADDITIONAL_CONSENT_REQUIRED

   From my reading of the page, moneydance should have a check when getting an error code and if it this ADDITIONAL_CONSENT_REQUIRED use the update mode to request the additional products per

   The additional_consented_products field should be set to include any new products you want to gather consent for

   The error message says client does not have user consent to access the PRODUCT_INVESTMENTS product

   Actually going back to the plaid documentation site, using their AI chatbot ask bill, I got this very helpful response
   

   To grant consent for the PRODUCT_INVESTMENTS using Plaid, you need to follow these steps:
   
   
   
   
   Step 1: Initialize Link with Update Mode
   First, you need to initialize Plaid Link in update mode to request additional consent for the PRODUCT_INVESTMENTS. This involves creating a link_token with the necessary configurations.
   
   
   
   
   const response = await plaidClient.linkTokenCreate({
     user: {
       client_user_id: 'unique-user-id',
     },
     client_name: 'Your App Name',
     country_codes: ['US'],
     language: 'en',
     redirect_uri: 'https://your-app.com/oauth-page',
     user_legal_name: 'User Legal Name',
     user_email_address: '[email blocked]',
     products: [], // Existing products
     additional_consented_products: ['investments'], // Requesting consent for investments
   });
   const linkToken = response.data.link_token;
   Step 2: Open Plaid Link with the Link Token
   Use the linkToken from the previous step to open Plaid Link. This will guide the user through the consent process for the PRODUCT_INVESTMENTS.
   
   
   
   
   <button id="link-button">Connect with Plaid</button>
   <script src="https://cdn.plaid.com/link/v2/stable/link-initialize.js"></script>
   <script>
     var handler = Plaid.create({
       token: linkToken,
       onSuccess: function(public_token, metadata) {
         // Send the public_token to your app server.
         // The metadata object contains info about the Item
       },
       onExit: function(err, metadata) {
         // Handle the case when your user exits Link
       }
     });
   
   
   
   
   document.getElementById('link-button').onclick = function() {
       handler.open();
     };
   </script>
   Step 3: Handle the Consent on Your Backend
   Once the user has successfully given their consent through Plaid Link, you will receive a public_token. Exchange this token for an access_token and store it securely. This access_token will allow you to access the PRODUCT_INVESTMENTS data.
   
   
   
   
   const exchangeResponse = await plaidClient.itemPublicTokenExchange({
     public_token: public_token,
   });
   const accessToken = exchangeResponse.data.access_token;
   Step 4: Access the Investments Data
   With the access_token, you can now make requests to the /investments/holdings/get endpoint to retrieve investment data.
   
   
   
   
   const investmentsResponse = await plaidClient.investmentsHoldingsGet({
     access_token: accessToken,
   });
   // Handle the investments data
   By following these steps, you can successfully request and obtain user consent for accessing investment data through Plaid.
   

   I'm thinking moneydance just doesn't consider it an important enough fix unfortunately.
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7. 7 Posted by jenkins007 on Oct 31, 2024 @ 11:47 AM

   

   I have this issue too. This should be a simple fix. Please make it a higher priority, especially since it is getting old and stale from a problem's perspective, e.g. banking and user issue greater than 18 months!

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8. Support Staff 8 Posted by Maddy on Oct 31, 2024 @ 12:13 PM

   

   @All

   We are sorry to hear about the problems you have encountered.

   Unfortunately the connection with Robinhood is being rather problematic and Plaid are currently working to resolve several issues.

   If you wish to create a private discussion and send us your console log, we should be able to escalate your specific issue to Plaid support individually.

   To achieve this, you should select the 'private discussion' option here.

   Thank you

   --
   Maddy, Infinite Kind Support

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9. System closed this discussion on Jan 30, 2025 @ 12:20 PM.