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Ongoing issues with Chase CC downloads

SandraStowell

I continue to have problems reconciling my Chase CC account. I try to download every week & reconcile immediately, but it seems that is NOT enough. Today I am on day #8, downloaded 24 transactions, cannot see anything missing BUT I am $231.xx off when I try to reconcile.

This does NOT match the total of pending transactions, and as stated I cannot see any transactions missing. Previously I have found missing transactions that I entered manually, but after hours of frustration I did accept an adjustment another time recently.

Will switching credit card banks even fix this??? I see complaints about missing transactions for several other banks… this is crazy!

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Comments

GeoffG

Will switching banks fix this…no. Chase bank is one of the more reliable banks, but no bank is perfect and EWC+ the new "Gold Standard" in transaction downloads is far from perfect.

With that said, there are steps you can take to help mitigate your issue. First, do not use balance adjustments under any circumstance. You will only wind up piling one adjustment on top of another and never truly be able to reconcile. You need to go back to the last month you were able to reconcile the account. Compare the Quicken register to Chase online transactions to find the missing/duplicate entry in Quicken.

Once you get the account to reconcile, there may be some process flow issues you can address. You state that you had 24 transactions in a single day. That is a lot of transactions! Not judging, but instead of downloading once a week, are you able to download daily? This will greatly simplify the amount of transactions you need to reconcile in a single session. If not, consider as many as you can in a week.

You mention pending transactions, make certain you are not auto entering downloaded transactions into your register! You do now want any pending transactions in the register until they are posted by the bank. Having them listed below the register in the download transaction window is fine and provides a "heads up" to what may be coming.

John QW

I've been having the same issues with Chase CC since the start of the year. At some point I stopped getting full downloads.. many transactions were missing. and I tried various repair/reauth/connects etc.

Might be another EWC+ scraping thing..

"With that said, there are steps you can take to help mitigate your issue. First, do not use balance adjustments under any circumstance. You will only wind up piling one adjustment on top of another and never truly be able to reconcile. You need to go back to the last month you were able to reconcile the account. Compare the Quicken register to Chase online transactions to find the missing/duplicate entry in Quicken."

Yeah, that's generally the right advice..but when you have hundreds and hundreds of transactions it can be tough… I have gone back several times and slogged through monthly statements and seem to find a few more each time. Sometimes I have to throw it in an do a balance adj at a certain date. I tried to go back and whittle that down as possible.

Chris_QPW

Might be another EWC+ scraping thing..

Just to be clear.

Express Web Connect + doesn't work with "scrapping".

It uses a standardized protocol between Intuit and the financial institution.

With that being said, unlike Direct Connect, with Express Web Connect + Quicken doesn't directly connect to the financial institution to get the transactions.

With Express Web Connect + Quicken is doing a sync to the Quicken Cloud dataset (yes, the same one that is used for "Sync to Mobile/Web"), and it is the Quicken server that actually talks to the Intuit server.

You can see this communication in Help → Contact Support → Log Files… → Cloud Sync Log (The communication between Quicken and the Quicken Cloud server. The communications between Intuit and the financial institution or even between the Quicken Cloud server and Intuit isn't logged in Quicken's logs.)

And it is pretty obvious that when Quicken Inc went to this data flow the Quicken Cloud dataset/server is doing some kind of matching and data caching.

Bottom line is hard to tell exactly where a given problem might reside.

Your best bet might be to contact Quicken support and see if they can track it down.

https://www.quicken.com/support#contact-support

But for reference I have a checking account, two credit card accounts and 4 investment accounts with Chase and they are working fine. Well, as long as I don't have to restore from a backup, because if that is done then "matching" in the investments accounts tends to go crazy.

caldivergirl

Hadn't had a problem with my Chase accounts previously. But yesterday the balance was off by $1500 and transactions that showed as posted on Chase were not indicated as posted in Quicken after download. Investigation showed 2 months of transactions after the account was opened were missing and I think that accounts for the balance problem. Just got off a chat with Quicken and they admitted there was a bug with cloud sync and I should turn it off. Whether or not they are being transparent I don't know.