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Discover Card Not Auto Downloading Consistently

Brad95X

Discover Card automatic downloads to Quicken have become inconsistent for me (using Express Web connect) making Discover Card account reconciliation difficult… and manual downloads of QFX files are no longer offered on their website. See attached pic of Discover Card's chat reply to this problem. I will discontinue use of the Discover Card. Any suggestions or updates?

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Quicken Anja

Hello @Brad95X,

Could you please elaborate and provide further details as to what exactly occurs when you attempt to connect with Discover Card through Express Web Connect? Do you receive any specific error code(s) and/or message(s) while trying to connect?

Check back and let us know! Thank you.

Brad95X

Hello @Quicken Anja,

My Discover Card problem just started happening around 1/25/24. I do not receive any error codes and OSU Summary shows account updated, but only about 60% of the card transactions downloaded to Quicken, so I am left trying to figure out why the balances don't match and which transactions did and/or did not download. It makes reconciling the account very frustrating.

Quicken Anja

Thank you for following up!

Before you attempt any troubleshooting, please save a backup of your data file first (just in case).

Have you tried connecting via Discover Card Account Center instead of Discover Card to see if you get better results through that instance?

Check back and let us know!

Brad95X

@Quicken Anja,

I just noticed that I made this original post under the wrong category (DOWNLOAD, ADD/UPDATE ACCOUNTS (MAC))

The correct category should be "DOWNLOAD, ADD/UPDATE ACCOUNTS (WINDOWS)

I use Windows 11 if that matters.

Can you change this thread to the correct category if possible please?

Brad95X

@Quicken Anja,

I just tried connecting via Discover Card Account Center instead of Discover Card and the results were the same… both of the institution names downloaded my last transaction incorrectly, they both added it to my opening balance rather than as a new transaction.

Quicken Anja

Thank you for following up, your post has been moved to the proper category.

In regards to the issue, if it's alright with you, I'd like to try and test something to see if the root of the issue lies with the account in Quicken itself, or if it's being sent through the servers that way.

To test this, be sure you have a recent backup first in case you need one to revert to afterward. Then, you will need to deactivate the existing account, and navigate to Tools > Add Account, and go through the steps to set up an online connection. Except once the connection has been established and the account has been found, instead of linking it to the existing account, add it as a new account. Depending on the outcome, we can then determine the next step of either deleting the new account and reconnecting the old, or moving transactions from the old account over to the new one.

Once it has been added as a new account, check back and let us know if it came in correctly or if the same issue occurs in the new account.

Brad95X

@Quicken Anja

I charged a single transaction as a test and it auto downloaded fine today. I did not do the test you suggested above, but I did do a validate & repair file and I believe that's what fixed it. Thank you for your help and suggestions

Quicken Anja

Thanks for the update! Glad to hear the issue appears to be resolved. 🙂

Dont hesitate to reach back out if the issue returns or you need any further assistance!

Burt - Q17 H&B

I have both Discover Bank accounts as well as a Discover Credit Card. I can log on to Discover Bank and see both my accounts and my credit card. So, when I set up Online Services, I used Discover Bank for both. However, transactions for Discover Card that have been posted were not downloading even though the correct credit card balance was being reported. Here was my fix. I deactivated Online Service for the Discover card and also cleared out the Financial Institution and Account Number. Then, for the Discover Card, I restablished Online Services but specified Discover Card Account Center for the Financial Institution. Entered my user details and password and it found my card. Just linked it to the Account already present (i.e. no Add to Quicken) and everything now downloads OK. Looks like Discover may need to be accessed by two routes.

mjonis

And I've got the opposite problem.

If I use Discover Card Account center, it only finds ONE of my Discover cards, but it does download for THAT card.

If I use Discover Bank, it sees my TWO discover cards AND the Savings account, but only downloads for the Savings account.

Sigh

Brad95X

https://community.quicken.com/discussion/comment/20415196#Comment_20415196

Hello @Quicken Anja

My Discover Card issue is happening again so I followed your suggestion and deactivated the acct and readded the acct as a new acct rather than linking it to the existing acct. The new acct shows all the missing transactions and balances correctly and it appears to be working consistently. What method do you suggest for moving transactions from the old account over to the new one? And any additional steps you recommend please?

Quicken Anja

https://community.quicken.com/discussion/comment/20422360#Comment_20422360

To move your transaction history from the old account to the new account, please follow the instructions provided below.

Click the transaction to select it, click the Edit gear icon in the transaction (on the right side of the entry), and then choose Move Transaction(s). If you need to select multiple transactions, hold the Shift key as you select them, then right-click to choose Move Transactions.
Choose the Move to account from the drop-down menu.
Click OK.

Once your transaction history has been moved, you can then delete the old account by navigating to Tools > Account List. Click Edit for the account that needs to be deleted. In the Account Details windows, click Delete Account on the bottom left, then type Yes to confirm and click OK.

Hope this helps!

Brad95X

https://community.quicken.com/discussion/comment/20422690#Comment_20422690

I moved all needed transactions per your instructions and the newly created account seems to be functioning and auto downloading correctly now.

Thank you!

Brad95X

https://community.quicken.com/discussion/comment/20422690#Comment_20422690

Quicken Anja,

A new problem has come up which I believe is related to this moving transactions fix. After moving the transactions between the old & new Discover Card accts… a different account with a different financial institution(Frost Bank) became unbalanced… so I restored my Quicken acct to a prior date(3/6/24) when the Frost acct was reconciled… the Frost acct returned to being balanced…then when I had to move the transactions between the old and new Discover Card accts again… the Frost acct balance went out of balance again…. it appears that moving transactions between the Discover Card accts somehow throws the Frost bank acct out of balance. Any suggestions?

Quicken Anja

Thanks for the update!

In regard to the Frost Bank account being out of balance, are there any transactions in that account that are linked transfers between it and the Discover account?