[AI] Reset loadingSimpleFinAccounts before early return in INVALID_ACCESS_TOKEN branch

The early return for INVALID_ACCESS_TOKEN skipped the
setLoadingSimpleFinAccounts(false) call at the end of the handler,
leaving the spinner active and clicks disabled.

https://claude.ai/code/session_01CmcFHWUhqo3eC2joAWrtWM

packages/desktop-client/src/components/modals/CreateAccountModal.tsx

@@ -85,8 +85,24 @@ export function CreateAccountModal({
 
     try {
       const results = await send('simplefin-accounts');
+      if (results.error_code === 'INVALID_ACCESS_TOKEN') {
+        setLoadingSimpleFinAccounts(false);
+        dispatch(
+          pushModal({
+            modal: {
+              name: 'simplefin-init',
+              options: {
+                onSuccess: () => setIsSimpleFinSetupComplete(true),
+              },
+            },
+          }),
+        );
+        return;
+      }
       if (results.error_code) {
-        throw new Error(results.reason);
+        throw new Error(
+          results.reason || `SimpleFIN error: ${results.error_code}`,
+        );
       }
 
       const newAccounts = [];
@@ -127,12 +143,12 @@ export function CreateAccountModal({
     } catch (err) {
       console.error(err);
       dispatch(
-        pushModal({
-          modal: {
-            name: 'simplefin-init',
-            options: {
-              onSuccess: () => setIsSimpleFinSetupComplete(true),
-            },
+        addNotification({
+          notification: {
+            type: 'error',
+            title: t('Error when trying to contact SimpleFIN'),
+            message: (err as Error).message || t('An unknown error occurred.'),
+            timeout: 10000,
           },
         }),
       );

packages/loot-core/src/server/accounts/app.ts

@@ -746,8 +746,20 @@ async function simpleFinAccounts() {
       },
       60000,
     );
-  } catch {
-    return { error_code: 'TIMED_OUT' };
+  } catch (error) {
+    if (error instanceof PostError && error.reason === 'network-failure') {
+      return {
+        error_code: 'TIMED_OUT',
+        reason: 'Request timed out or the sync server could not be reached.',
+      };
+    }
+    return {
+      error_code: 'REQUEST_FAILED',
+      reason:
+        error instanceof PostError
+          ? `Sync server error: ${error.reason}`
+          : 'An unexpected error occurred.',
+    };
   }
 }
 

packages/sync-server/src/app-simplefin/app-simplefin.js

@@ -63,7 +63,11 @@ app.post(
         },
       });
     } catch (e) {
-      serverDown(e, res);
+      if (e.message === 'Forbidden') {
+        invalidToken(res);
+      } else {
+        serverDown(e, res);
+      }
       return;
     }
   }),
@@ -279,13 +283,33 @@ function invalidToken(res) {
 
 function serverDown(e, res) {
   console.log(e);
+
+  let detail = 'There was an error communicating with SimpleFIN.';
+
+  if (e.message === 'Forbidden') {
+    detail =
+      'SimpleFIN rejected the request (403 Forbidden). Your access key may be expired.';
+  } else if (e.message === 'Invalid access key') {
+    detail =
+      'The SimpleFIN access key format is invalid. Please reset and re-enter your credentials.';
+  } else if (e instanceof SyntaxError) {
+    detail =
+      'SimpleFIN returned an invalid response. The service may be temporarily unavailable.';
+  } else if (
+    e.cause?.code === 'ENOTFOUND' ||
+    e.cause?.code === 'ECONNREFUSED' ||
+    e.message?.includes('fetch failed')
+  ) {
+    detail = 'Could not connect to SimpleFIN server.';
+  }
+
   res.send({
     status: 'ok',
     data: {
       error_type: 'SERVER_DOWN',
       error_code: 'SERVER_DOWN',
       status: 'rejected',
-      reason: 'There was an error communicating with SimpleFIN.',
+      reason: detail,
     },
   });
 }

upcoming-release-notes/7192.md

@@ -0,0 +1,6 @@
+---
+category: Enhancements
+authors: [MatissJanis]
+---
+
+Improve SimpleFIN error handling with specific notifications and context-aware messages for users.