Capital One and DirectConnect - any advice appreciated

[John Ralls]

On Mar 3, 2013, at 2:27 PM, Emmet Devine <emmetdevine at gmail.com> wrote:

> Hi,
> 
> Apologies if this question has been addressed elsewhere, but I couldn't
> find it in the documentation or the mailing list archive.  In short, my OFX
> transfers from Capital One have suddenly stopped working; it appears that
> Capital One has changed it's system and that the previous GnuCash/AqBanking
> configuration is no longer compatible.
> 
> I've been using GnuCash on Windows for the last few years and am currently
> using 2.4.11.  During that time, I've had no significant issues downloading
> my transactions from Capital One (or any of my other banks, credit card
> companies, or brokers for that matter).
> 
> Since the middle of February, however, any attempt to get transactions
> results in an error code 2000.  I enabled logging and the pertinent message
> in the c:\tmp\ofx file is:
> 
> <STATUS>
> 
> <CODE>2000
> 
> <SEVERITY>ERROR
> 
> <MESSAGE>This software isn't supported by Capital One Online Banking. For
> more information, please visit www.capitalone.com/online-banking/faq/ or
> call us at 1-877-442-3764, option 4, M-F 8 AM - 10 PM ET, Sat-Sun 9 AM - 6
> PM ET. Thanks.
> 
> </STATUS>
> 
> 
> I've tried changing some of the settings (e.g. the version of the software
> and the version of OFX) to make GnuCash/AqBanking appear more like the
> officially supported packages (namely, Quicken).  The closest that I've
> gotten was that a change of the OFX version from 1.0.2 to 1.0.3 resulted in
> the error:
> 
> <STATUS>
> 
> <CODE>2000
> 
> <SEVERITY>ERROR
> 
> <MESSAGE>Oops, this device isn't authorized for use with your Capital One
> account. To authorize it, call Capital One Online Banking Customer Service
> at 1-877-442-3764, option 4, M-F 8 AM - 10 PM ET, Sat-Sun 9 AM - 6 PM ET.
> Thanks.
> 
> </STATUS>
> 
> 
> I've spoken with the support at Capital One twice.  Both times, they
> confirmed that my account is authorized for OFX transfers and that software
> packages that are not officially supported do, in fact, work with their
> system.  However, they couldn't provide any configuration advice for
> unsupported packages and suggested that I contact the vendor :).
> 
> So, as the subject line indicates, any advice would be much appreciated.

Amazingly, Capital One was proactive and told us about the change last december:
http://lists.gnucash.org/pipermail/gnucash-devel/2012-December/034626.html

You need to set the ClientUID field. What they didn't tell us is what to put 
in it, but perhaps if you call their support line and ask they'll tell you what
to enter.
Note that the Cap One rep included her phone number in the first message.

Regards,
John Ralls