Cannot reset investment account
I have one investment account that I can't reset in Quicken Premier. I have followed all know post from Quicken that fit my error and tried each one. However, none resolved my problem.
Error appears as "Account xxxxx Name cannot be reset because there are downloaded transactions that must be first accepted into the account register or transactions list. Finish accepting downloaded transactions, try again."
I'm running the latest update Rel. 63.20, Build 27.1.6320. Windows 11 Enterprise
I have runout of things to try.
JC
Best Answers
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To CaliQkn,
I'll explain a bit further. After the 2nd to last update performed, I began to have issues with the One Step Update Summary with most of the accounts not showing up after the download. I then noticed all my investment accounts were not downloading transactions on an intermittent basis. I selected one account to reset and received the message as noted in my original post. I have since been able to reset all but one after following a procedure noted by Quicken (Sarah). That process corrected all but one of the investment accounts. I'll also mention I have had to do this in the past and never had an issue with resetting investment accounts. So, this one account seems to have a transaction 'hung up' that can't be cleared and I have run out of options to resolve it. I have called Quicken support 2 wks past but was not resolved. In conclusion, I'm not having the red flag issue with transactions, those are accepted with no issues. Any further suggestions would be appreciated. I will look again as you suggested in FAQ which I have done numerous times. Thank you.
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@dak5126 Hopefully we are talking about the same thing. When I say Automatic Download I am referring to the option in Preferences - "Automatically add to investment transaction lists".
I tried using automatic transaction download on all of my investment accounts and I had errors very similar to yours. When you download directly to the account registers without reviewing them first, you miss a lot of "near matches" because you are not ever alerted to them. Once I shut off "Automatically add to investment transaction lists" all kinds of errors surfaced that I was able to resolve. For investment accounts, I think you should be able to review the transactions before they are posted to the register.
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@dak5126 here are some things to try (if you haven't already) -
- Sign out of Quicken and sign back in with the same Quicken ID -
- Click on Edit→Preferences.
- In the left pane, select Quicken ID & Cloud Accounts.
- In the right pane, under Quicken Profile, click Sign in as a different User.
- In the Sign in as a different user dialog, enter yes to confirm the action.
- Select Sign Out.
- When you are prompted, sign back in with your Quicken ID.
- Run an OSU to check if your FIs show on the OSU summary.
- If that didn't solve the issue, then try resetting the accounts in the Online Center -
- Click on Tools→Online Center.
- In the Online Center window, click on Options, while holding Ctrl-Shift.
- Select "Troubleshooting", and then "FI Action Required".
- Highlight each of the FIs in the list, and one at a time, click "Refresh".
- Run an OSU to check if your FIs show on the OSU Summary.
- If that didn't solve the issue, then try deleting the "runtime.dat" file.
- In Windows explorer, navigate to C:\ProgramData\Quicken\Inet. If you don't see the C:\ProgramData folder, it is hidden by default. In Windows 11 Windows Explorer, click on View then Show and select Hidden items to show the hidden folders. You should also select File name extensions under Show to see the ".dat" part of the file if that is not already selected.
- In the Inet folder, open the folder that matches the name of your active QDF file and look for the runtime.dat file. If there is no such folder, it may be because you have renamed your Quicken file at some point. In that case, search the Inet folder to find the runtime.dat file that has a time and date that matches your recent OSU. For me the folder is QDATA, which is (or was 25 years ago) the default Quicken file name.
- Once you have found the correct runtime.dat file, rename it to runtime-old.dat or something similar. Quicken will create a new runtime.dat to replace the damaged one.
- Run an OSU to check if your FIs show on the OSU summary.
I need to give @Jim_Harman credit for the steps in deleting the "runtime.dat" file. I have never had to do it myself, but I know it works to fix issues with the last update date and time not showing.
Please report back and let us know which of these steps resolved your issue. Hopefully, at least one of them will do the trick.
1 - Sign out of Quicken and sign back in with the same Quicken ID -
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Yes, I have gone through all of what you have listed a number of times. In the past I have found the placeholders to be my cause of balance mismatch. However, I have cleared up all placeholders. My shares in Quicken match to the brokerage file as well as the price for each stock, equity, bond, etc. Reconcile shares and Reconcile all are clean. Again, no hidden placeholders either. Will continue to research and appreciate your input sir. Anything that pops up please forward. Cheers
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To CaliQkn - Update on balance difference between Qkn and Investment balances with brokerage house. I found the difference within Qkn on one of my inflation treasury bonds. When the bond was purchased Qkn added it properly. However, I never realized the 'inflation factor' played a part in the price per share which requires updating occasionally. Once I calculated the current factor and updated the price this brought the out of balance in line with my brokerage. Thanks again for your advice through all of this.
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@dak5126 if anything like this happens again, the easiest way to pinpoint a pricing issue is to run a Net Worth Report and select "Account Detail" on the Display tab. This will give you individual security MV that you can compare to your FI security MVs. Any significant MV difference would point to a pricing issue.
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Absolutely will use your suggestion in the future. I found it by reviewing each security through the Security Report (individually) to ensure all trans matched to the statements. That was a tedious process over a few days but, it finally identified the culprit. Finally, to clarify my issue was in the 'bonds' in my portfolio. This was the first 'Inflation Treasury' bond purchased and did not understand in detail how Quicken handle it, now I do. Thanks again.
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To CaliQkn - I was able to figure it out after reading your questions and looking at the Placeholder again. The brokerage house sends one trans with a deposit to CASH for the matured bond. It also sends a trans with a negative amount for the shares redeemed, i.e. -25,000. Quicken does not show the negative shares amount, just the trans as a 'withdraw'. To answer your 1st question, Bonds Bought - I entered the Bonds Sold under Enter Missing Trans in the placeholder with the matching shares of 250. This cleared up the placeholder. Market Value and Securities Value and Cash now match to the brokerage house. Also, I will heed your advice for future issues due to unrelated issues for proper discussion format.
Thank you again for your attention, very appreciative.
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@dak5126 glad you figured it out. Sometimes for those bond maturities, you need to delete the transactions that are downloaded and enter ones that make sense. I think it's a transaction that is not done that often so financial institutions are not hard pressed to correct their download.
1
Answers
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To CaliQkn,
I'll explain a bit further. After the 2nd to last update performed, I began to have issues with the One Step Update Summary with most of the accounts not showing up after the download. I then noticed all my investment accounts were not downloading transactions on an intermittent basis. I selected one account to reset and received the message as noted in my original post. I have since been able to reset all but one after following a procedure noted by Quicken (Sarah). That process corrected all but one of the investment accounts. I'll also mention I have had to do this in the past and never had an issue with resetting investment accounts. So, this one account seems to have a transaction 'hung up' that can't be cleared and I have run out of options to resolve it. I have called Quicken support 2 wks past but was not resolved. In conclusion, I'm not having the red flag issue with transactions, those are accepted with no issues. Any further suggestions would be appreciated. I will look again as you suggested in FAQ which I have done numerous times. Thank you.
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I resolved my issue after further research and review. I took the automatic trans download OFF and did the Compare in the Online Center. This properly displayed my transaction as a near match. Once I accepted the near match this cleared the 'trans first must be accepted' and able to reset the investment account. case closed
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@dak5126 glad you found the issue. You bring up a very good point about using Automatic Download with Investment Accounts. What I have experienced is that if you use automatic download with investment accounts, sometimes your downloaded transactions get "lost". You might have a discrepancy with a downloaded transaction (a near match) but never know it. IMHO, I don't think automatic download should ever be used with investment accounts.
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CaliQkn,
you bring up a good point as well or question I should say. Why do you think 'automatic download should ever be used with investment accounts'? I have been a user of Quicken for 20+ years and never experienced this error I just reported. Would like your opinion and or experience in your using or not using this feature. Thank you.
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@dak5126 Hopefully we are talking about the same thing. When I say Automatic Download I am referring to the option in Preferences - "Automatically add to investment transaction lists".
I tried using automatic transaction download on all of my investment accounts and I had errors very similar to yours. When you download directly to the account registers without reviewing them first, you miss a lot of "near matches" because you are not ever alerted to them. Once I shut off "Automatically add to investment transaction lists" all kinds of errors surfaced that I was able to resolve. For investment accounts, I think you should be able to review the transactions before they are posted to the register.
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We are talking the same thing to clarify sir. I understand what you are saying. I did turn my auto switch off today to check it out for tonight's posting in the morning. I saw how it works after my earlier posting as to what I did to resolve my issue. I may take your advice now after seeing what I had to do to resolve my issue. Like I said, I have never experienced this issue before. I have been troubleshooting this issue for over 2 months off and on. But now its corrected. I appreciate your feedback. Will reply with results. Cheers.
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Another minor issue I'm dealing with. See the attached Update Summary attached. The summary now only displays one account after the download of all transaction accounts. This started about 2 months ago and unable figure out the reason.
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all of the accounts that are to receive transaction downloads 'Last Download' column indicates 'not available.'
Only one CC Verizon Synchrony shows last download as current which is the only one showing up on the OSU panel. However, the transactions are downloaded into each account register. Stumped!
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@dak5126 here are some things to try (if you haven't already) -
- Sign out of Quicken and sign back in with the same Quicken ID -
- Click on Edit→Preferences.
- In the left pane, select Quicken ID & Cloud Accounts.
- In the right pane, under Quicken Profile, click Sign in as a different User.
- In the Sign in as a different user dialog, enter yes to confirm the action.
- Select Sign Out.
- When you are prompted, sign back in with your Quicken ID.
- Run an OSU to check if your FIs show on the OSU summary.
- If that didn't solve the issue, then try resetting the accounts in the Online Center -
- Click on Tools→Online Center.
- In the Online Center window, click on Options, while holding Ctrl-Shift.
- Select "Troubleshooting", and then "FI Action Required".
- Highlight each of the FIs in the list, and one at a time, click "Refresh".
- Run an OSU to check if your FIs show on the OSU Summary.
- If that didn't solve the issue, then try deleting the "runtime.dat" file.
- In Windows explorer, navigate to C:\ProgramData\Quicken\Inet. If you don't see the C:\ProgramData folder, it is hidden by default. In Windows 11 Windows Explorer, click on View then Show and select Hidden items to show the hidden folders. You should also select File name extensions under Show to see the ".dat" part of the file if that is not already selected.
- In the Inet folder, open the folder that matches the name of your active QDF file and look for the runtime.dat file. If there is no such folder, it may be because you have renamed your Quicken file at some point. In that case, search the Inet folder to find the runtime.dat file that has a time and date that matches your recent OSU. For me the folder is QDATA, which is (or was 25 years ago) the default Quicken file name.
- Once you have found the correct runtime.dat file, rename it to runtime-old.dat or something similar. Quicken will create a new runtime.dat to replace the damaged one.
- Run an OSU to check if your FIs show on the OSU summary.
I need to give @Jim_Harman credit for the steps in deleting the "runtime.dat" file. I have never had to do it myself, but I know it works to fix issues with the last update date and time not showing.
Please report back and let us know which of these steps resolved your issue. Hopefully, at least one of them will do the trick.
1 - Sign out of Quicken and sign back in with the same Quicken ID -
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I'm familiar with all of what you have listed. Will go through the process in the morning and reply with results as requested. I have performed the FI's today and Super Validate but no success. Thank you so much for the details noted.
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Update to CaliQkn, I could not wait till morning. After rereading your detail list, I had already performed all of the items listed earlier today with the exception of renaming the runtime.dat file. Last time I did that was I'm sure 10-15 yrs ago. Totally would not have thought of it. So, I renamed the runtime.dat to OLD and ran the OSU and Ureka! The CTL-A shows all the accounts with last update as of 6/18/2025. I have to say mucho gracias many times over. Now I should see good results in the morning (normal time of trans downloading). Again, thank you for your time and patience with my issue. Cheers
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Good show. The OSU performed properly just now. Thank you again.
Cheers.
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To CaliQkn, I have another perplexing issue that I have been trying to resolve. I would appreciate your feedback on this when you can. This involves all my investment accounts (IRA, brokerage, etc.) All of my accounts balance consistently with my brokerage house daily, except one. It's an IRA and I'm consistently out of balance by $2400. Brokerage house is $2400 (this is a fluid figure, $1800 to $2400) higher than my Quicken balance. My brokerage house is correct with the balance but I can't seem to identify what or where to look anymore to figure out why the mismatch in Quicken. Again, the other investment accounts match to the penny.
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@dak5126 In your IRA register, If you do a "Reconcile Shares" (by clicking on the gear icon in the upper right), do your shares in Quicken match with what the financial institution has?
If so, the first thing to check is the current MV of each of the individual securities. If your IRA is consistently off by a certain amount range, it may be a pricing issue for a specific security.
There also possibly may be some hidden placeholders. To unhide them, click on Edit→Preferences→Investments, and select "Show hidden transactions". These placeholders signify a transaction issue that is causing a reconciling difference that Quicken has forced to reconcile. If placeholders exist, they should not be deleted. They need to be resolved by correcting or adding a share transaction.
Was there a point in the past were the IRA reconciled the financial institution? I would start there and move forward. You can use prior account statements and/or online transactions, to compare month end balances and determine when the account first starting having a discrepancy. This way hopefully you can narrow down when and were to look.
It seems like you have tried most everything so you might have tried all of this, but it gives you a start.
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Yes, I have gone through all of what you have listed a number of times. In the past I have found the placeholders to be my cause of balance mismatch. However, I have cleared up all placeholders. My shares in Quicken match to the brokerage file as well as the price for each stock, equity, bond, etc. Reconcile shares and Reconcile all are clean. Again, no hidden placeholders either. Will continue to research and appreciate your input sir. Anything that pops up please forward. Cheers
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@dak5126 the only other things I can think of for now is check your cash balance and for any hidden securities that may be affecting your balance.
Otherwise, If I can think of anything else I will circle back.
In the meantime, @Jim_Harman is great at resolving investment issues and may he can shed some insight into this particular issue. Jim, take a look at Dak5126's June 19th comment, and subsequent comments, regarding an IRA out of balance condition. Can you think of any other reasons why the IRA doesn't reconcile?
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The cash balance is in check with nothing out of the ordinary. However, I am re-reviewing suspect trans as you noted to see if I have some mismatches on Div/Reinvest amount/shares. I have found a couple so I going to go that route for now.
Again, appreciate the feedback and additional brain thoughts from @Jim_Harman.
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To CaliQkn - Update on balance difference between Qkn and Investment balances with brokerage house. I found the difference within Qkn on one of my inflation treasury bonds. When the bond was purchased Qkn added it properly. However, I never realized the 'inflation factor' played a part in the price per share which requires updating occasionally. Once I calculated the current factor and updated the price this brought the out of balance in line with my brokerage. Thanks again for your advice through all of this.
1 -
@dak5126 if anything like this happens again, the easiest way to pinpoint a pricing issue is to run a Net Worth Report and select "Account Detail" on the Display tab. This will give you individual security MV that you can compare to your FI security MVs. Any significant MV difference would point to a pricing issue.
0 -
Absolutely will use your suggestion in the future. I found it by reviewing each security through the Security Report (individually) to ensure all trans matched to the statements. That was a tedious process over a few days but, it finally identified the culprit. Finally, to clarify my issue was in the 'bonds' in my portfolio. This was the first 'Inflation Treasury' bond purchased and did not understand in detail how Quicken handle it, now I do. Thanks again.
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Another question: When a bond matures what is the process to update the journal entry? Bond matured 7/15/25 with principal amount returned to account. Interest was paid semi-annual with last int payment on 7/15/25. I now have a placeholder to clear up since Qkn says my shares downloaded do not match what Qkn has. I have performed placeholders in the past, but I can't get this one. Suggestions.
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@dak5126 some questions to understand what you are seeing -
- When the bond was purchased what transactions was used - "Buy" or "Bonds Bought"?
- What transactions were downloaded from your financial institution for the maturity?
- Is that placeholder transaction adding or removing shares?
- What shares do your financial institution show, vs. what Quicken shows?
(Also, if you have unrelated issues, it is best that you create a new discussion for each one. That will ensure that your issue gets attention and responses.)
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To CaliQkn - I was able to figure it out after reading your questions and looking at the Placeholder again. The brokerage house sends one trans with a deposit to CASH for the matured bond. It also sends a trans with a negative amount for the shares redeemed, i.e. -25,000. Quicken does not show the negative shares amount, just the trans as a 'withdraw'. To answer your 1st question, Bonds Bought - I entered the Bonds Sold under Enter Missing Trans in the placeholder with the matching shares of 250. This cleared up the placeholder. Market Value and Securities Value and Cash now match to the brokerage house. Also, I will heed your advice for future issues due to unrelated issues for proper discussion format.
Thank you again for your attention, very appreciative.
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@dak5126 glad you figured it out. Sometimes for those bond maturities, you need to delete the transactions that are downloaded and enter ones that make sense. I think it's a transaction that is not done that often so financial institutions are not hard pressed to correct their download.
1 -
You are right on spot with your 'not hard pressed to correct their download.' I will keep your suggestion and try that on the next round of bond maturities. Thanks once again.
0
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