{"article":{"id":15854489609879,"url":"https://plaid.zendesk.com/api/v2/help_center/en-us/articles/15854489609879.json","html_url":"https://support.plaid.com/hc/en-us/articles/15854489609879-Why-is-an-Item-returning-an-ITEM-LOCKED-error","author_id":396033157154,"comments_disabled":false,"draft":false,"promoted":false,"position":1,"vote_sum":0,"vote_count":0,"section_id":15991464436119,"created_at":"2023-07-07T12:45:24Z","updated_at":"2026-06-01T01:59:38Z","name":"Why is an Item returning an ITEM_LOCKED error?","title":"Why is an Item returning an ITEM_LOCKED error?","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-06-01T01:59:38Z","user_segment_id":null,"permission_group_id":1121774,"content_tag_ids":[],"label_names":[],"body":"<p>An institution may lock a user out of their account after 3-5 repeated failed attempts at authenticating. This will result in an <a href=\"https://plaid.com/docs/errors/item/#item_locked\"><code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">ITEM_LOCKED</code></a> error.</p>\n<p>To fix this, have the user log in directly to their financial institution's website using the same credentials to confirm they're correct. In many cases, a successful login at the institution will clear the lock and the user can then retry connecting with Plaid. If the lock persists, the user will need to work with the institution directly to unlock the account before retrying.</p>","user_segment_ids":[]}}