I'm having a similar problem with Projected Balances.
Windows Quicken Deluxe 2020 R27.42
In my Projected balances - I click on a specific date (where it indicates a negative balance) The opening balance for the date is $4,806.68. There is one transaction scheduled for $1,100.00. The closing balance for the date is $-693.62. Is this new math? I have turned off all "suggest reminders".
I had already selected the Combine option. Do I need to un-select it?