Make transaction matching work better

spalt

I don't get how Quicken can be so bad at matching transactions. I've downloaded a transaction for $95 with a payee of "Lc Trustage Life" on 11/19. You can't figure out that it matches a transaction I have in my register already for $95, with a payee of "Lc Trustage Life" for two days later, 11/21?!? If I click "Accept" it'll create a duplicate. Please don't be so dense, thx!