Introduction

I have had trouble adding my Capital One credit card account to Microsoft Money, and based on comments from others on the Microsoft newsgroups I am not the only one. This site will document my dealings with Capital One and Microsoft tech support to try and resolve the problem.

The only reason I am documenting this is because I believe the problem is on Microsoft's end. Perhaps others with the same problem will read this documentation and agree with me. Or perhaps I am wrong and someone can give me a hand.

In a nut shell, I believe that when setting up a Capital One credit card account in Money (I'm using Plus Deluxe), Money is trying to use my login information to log on to "Capital One Online Banking" instead of "Capital One Online Banking for Credit Cards" which are two completely separate services with independent login information (as confirmed by Capital One tech support).

Capital One Online Banking:
https://onlinebanking.capitalone.com/capitalone/login.aspx

Capital One Online Banking for Credit Cards:
https://servicing.capitalone.com/c1/login.aspx

Using that as a starting point, I will begin documenting my interactions with tech support and other users.

I realize that one way to add transactions from my Capital One account to Money is to logon to my Capital One account, go to Downloads, then download the OFX file for Money. Perhaps I am just too lazy, but that is 3 steps too many. I want the Money software itself to login and retrieve this data automatically, and I think Money can do this if they just fix it to point to "Capital One Online Banking for Credit Cards" instead of regular "Capital One Online Banking."

I know that receiving automatic updates without manually logging in to Capital One every time can be done, because I can do it through Yodlee. I successfully added my credit card account to my Yodlee account, and Yodlee is able to update my balance automatically every 24 hours without me lifting a finger. I believe this is because, unlike Money, Yodlee correctly associates my credit card account with the "Capital One Online Banking for Credit Cards" service. For those who are curious, I suggest signing up at Yodlee (it's free) and finding out.

This is not an attempt to bash Microsoft or Capital One. I fully support them both and think they make (generally) great products. I just want my problem resolved and thought this might be helpful for me and others in my situation.