Downloaded transactions don't Auto match

Keith

Arctic Hare

@Keith: are the existing transactions already marked cleared ("C") or reconciled ("R")?

Keith

Unknown

Are you using the Quicken Mobile app or Quicken Web syncing?

Keith

Unknown

No Mobile app, so must be Web sync. I just click One Step Update.

Note, I'm not talking about any of the downloading of transaction connection methods when I say "Quicken Web".

Both Quicken Web and the Quicken mobile app work by you syncing your Desktop data to a Quicken Cloud account.  Quicken Web and the Quicken mobile app are the "GUIs" for accessing the Quicken Cloud account data.

It has been reported in other threads that people using the Quicken Cloud sync have had transactions just show up as new instead of matching, so that is my guess on what is going on for you.  But I could be wrong.

UKR

Keith

UKR

Here is a screen capture with 4 "New" transactions that match exactly with existing transactions in the register above.

Thanks for providing an image snapshot.
Hmmm ... one difference I can see is the Check Number column.
Have you written paper checks to send to AmEx? There's a check number in the downloaded transaction, yet the register transaction shows EFT. I'm suspecting this might throw Quicken off balance.
What happens if you remove EFT from the register? Will that make Quicken say "Match"?

P.S.: You can save space in the register by removing the Amount column (duplicate of Payment and Deposit) and the Tag column (if you don't use Tags at all). Makes the other columns a little wider.

Keith

Here is a screen capture with 4 "New" transactions that match exactly with existing transactions in the register above.

The bank always puts a number in the Num column. Not sure what that signifies. I always tag my register with EFT when paying through the bank.  It doesn't cause problems with other accounts. Seems to only happen with this account.  I was hoping the upgrade to the newest version would fix it.  I removed the EFT from my register, still no match.  If I click "Match" on a downloaded item, the matching register item is listed to select. I can select that and it works.  Just a lot of extra clicks each sync with the bank.

UKR

Here is a screen capture with 4 "New" transactions that match exactly with existing transactions in the register above.

Try not to mark these transactions EFT, even though you pay thru your bank's bill pay system. Let's see what happens then.

mshiggins

Here is a screen capture with 4 "New" transactions that match exactly with existing transactions in the register above.

From C. D. Bales:


"Hmmm ... one difference I can see is the Check Number column".


I think UKR is onto the problem here, but I think the problem is a bit more complex than just the check# itself.


All the displayed downloaded transactions are basically online billpay confirmations (see the heading, "Accept payments created outside of Quicken into register"). They are NOT "cleared transactions" - the downloaded cleared transactions will not be presented until all the online billpay confirmations have been processed.


Downloaded billpay confirmations are only going to automatically match a register transaction when the original billpay instruction was created in Quicken. Had that been true in this specific instance, the American Express transaction in the register would already have Check# 5255 and one of those lightening bolt online billpay Status icons (see the register Comcast transaction just above the American Express transaction).


If the billpay instruction was not created in Quicken, then the downloaded confirmation is correctly designated a New transaction. If you want a downloaded billpay confirmation to match a register transaction that is not an online billpay instruction, you will have to "Manually Match" the two.

Keith

Here is a screen capture with 4 "New" transactions that match exactly with existing transactions in the register above.

I have two other bank accounts that I use billpay with in this same way.  They always auto match.  I only seem to have a problem with this account.  This account is BoA, the other two that work as expected are with Chase. Other than that, I follow the same process with all three accounts. With this account, all transactions don't auto match, not just billpay.  I'll try to get a screen shot next time I download with mixed transaction types.

Keith

Here is a screen capture with 4 "New" transactions that match exactly with existing transactions in the register above.

I downloaded again, this time leaving my check number field blank as you suggested. Same problem continues, the downloads say "New" when they all clearly exist in the register.  However, notice in the screen shot above, there is a dim "Continue" button in the lower right. Once I match or dismiss the downloads shown, the "Continue" button becomes selectable.  When I select continue, the "same" set of online billpay downloads appear again along with others.  On that next screen, the check number field is blank and all the transactions match.  So, as you said, the random check number supplied by BofA on the first set of downloads seems to be the mismatch.  I'm not sure why BofA downloads the transactions twice, or why they provide a random check number on just the first set of downloads. But all my Chase and other bank accounts download fine. So it appears to be a problem with the way BofA downloads online billpay transactions.

mshiggins

Here is a screen capture with 4 "New" transactions that match exactly with existing transactions in the register above.

From C. D. Bales:

"When I select continue, the 'same' set of online
billpay downloads appear again along with others.  On that next screen,
the check number field is blank and all the transactions match".

 

As I mentioned before: the transactions that appear in the
screenshot you posted are online billpay confirmations, they're not
"cleared" transactions. You can receive an online billpay
confirmation days, or weeks, before the actual transaction clears the bank and
is downloaded.

 

The transactions you see after you click
"Continue" are actual transactions that have cleared the bank. 

 

I don't agree that there is a problem with BofA
billpay. 

 

I use online billpay with BofA regularly; I never have the
problem you report (or any other problem). I usually create the billpay
instructions in Quicken and send them to BofA (at that point, my Quicken
"Sent" instructions already have the billpay check#). 

 

Later the billpay confirmations are downloaded, and they
automatically match the instruction already in my register. And when the actual
transaction occurs, clears the bank and is downloaded, it too automatically
matches the confirmation in my register.

 

[But I also have no problem on the rare occasion when I
create the billpay instruction at the BofA web site - in that case, the
subsequent downloaded confirmation (with check#) is the first instance of that
billpay request that Quicken sees. Later, when the cleared transaction
downloads, it also automatically matches.]

 

What I never do is alter the check# for any billpay activity
(instruction, confirmation, or cleared transaction).

Keith

Here is a screen capture with 4 "New" transactions that match exactly with existing transactions in the register above.

Good information.  I'll see if I can learn how to "create the billpay instructions in Quicken". I didn't know about that feature. I now see the check box in the Bill Reminder, Use Online Bill Pay. I'll give that a try.