Online updates but no transaction loaded after a while - Capital One and others

Question

I have several accounts that are connected to Quicken - and after a few months, they still look like the account updates, no errors, however, transactions aren't downloaded any more even if there are some.  So, it looks OK but it isn't.

When I try to reset the connection, then all of a sudden I get errors (like, it can't find the bank) and then the existing connection is gone.  After I day, I can then reconnect.  I download the missing data, it works for a while, and then it doesn't any more (no error, no data).  The cycle continues.

Very annoying.  Been going on for a long time and many Quicken updates.  Do I just have to live with this crappy behavior?  If at least I got an error, I'd know …..

HE · Answer

Thanks.

I deleted the online setup for those accounts.  I got an error that either bank didn't exist when I tried to reestablish again, but after waiting a day the error magically disappeared.  That happened last time as well.  I expect in a few months I'll just have to go though it again.

If it continues, this is way too much effort to resolve what shouldn't be an issue in the first base but keeps reoccurring.  I just won't deal with those banks any more.  My main banks seem to work fine so far.

I've been using Quicken for over 20 years.  My qdf file is huge - 160MB.  No matter what old accounts I delete, what end-of-year archiving I do, and what file cleanup I do, it doesn't get smaller (somethimes it even gets bigger).

The file probably has permanent corruption in it.  So I am riding it out until something critical doesn't work any more, and when I have no other choice I'll start over  ….  probably not on Quicken.

Boatnmaniac · Answer

It sounds like there might be a runtime.dat file issue and/or an issue with the file's Cloud Account.

Have you tried doing File > Validate & Repair File?  This likely won't fix a runtime.dat or Cloud Account issue but it can fix some data file and software issues that might be causing the issue.

Have you tried Edit > Preferences > Mobile & Web > Sync = ON > Reset your Cloud data?  (If you are not using the Mobile and/or Quicken on the Web companion apps, then you should turn Sync = OFF once the reset process is completed.)  This will not fix a runtime.dat issue but it can fix some Cloud Account issues.

If these things don't resolve the issue for you, you might want to try doing the following:

* If you have not already done so, in each Spending Account (checking, savings, credit card, etc.) enter and save the Opening Balance transaction dollar amount to the Memo field.  (This is not critical for the process but it can be very helpful in resolving account balance issues that can sometimes occur.  More on this later.)
* Back up your data file.
* File > Copy or Backup File > Create a copy or template > either use the default name (the primary data file name with "Cpy" added to the end of it) or give it a unique name or your own > Save a Copy > when completed, select the copied file to be opened.  This process will leave your primary data file intact and unmodified so you can always revert to it later if/when you want.  However, the copied file, while leaving all of the data and preferences intact, will be given a unique file ID, Cloud Account ID and a new runtime.dat file making it a truly unique copy of the original file.  And since the Cloud Account and runtime.dat files are new, any corruptions in the original ones will not be present.  This process can resolve many connection issues and even some data file issues.  But all download connections will be broken and will need to be set up, again.
* Set up the download connections for the accounts making sure to Link the downloads to the accounts that are already Quicken.
* When done, check the Account Registers balances.  If the Account Register balance and Online Balance match each other, then there is nothing more to do.  Otherwise, proceed to the next step.
* For each account where the Account Register balance is not correct:  Does the Opening Balance transaction dollar amount match what you previously entered into the Memo field?  If not, correct it to match what is in the Memo field.  If that resolves the Account Balance issue then you are done.  If not, proceed to the next step.
* Scroll backward through the Account Register looking for duplicate transactions.  If any are found, delete one while retaining the other.  (Note:  Duplicate transactions, if any, will most likely be found within the last 90 days.)

Your accounts should now be in balance and the process is done and you should now consider this copied file to be your new primary data file.

Please post here if this resolved the issue for you.   If it didn't, please post what issue(s) you are seeing or what questions you might have.

HE · Answer

As mentioned, it has been going on over many versions of Quicken, including the latest I am now on:  R65.29, 27.1.65.29, valid through Feb 11 '27 (wouldn't it be nice if that information could be copied and pasted from that screen?)

As also mentioned, one of the banks is Capital One 360.  Another one (if I remember correctly) is Everbank Consumer.