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Quicken double enters transactions - omg!

davidmarketing

So, I had entered a credit card payment from my checking account to my credit card account. I just noticed my checking account didn't tie and noticed that Quicken had the same transaction twice. OMG! I have been using Quicken since 1994 so 32 years and I can't believe that Quicken is now entering transactions erroneously!

I think I can accept the problems with online bills, reminders, the issues with the downloading banks.

I can NOT accept Quicken corrupting our data. I have 32 accounts and I don't feel I have to check all the accounts every day for data corruption.

David

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Comments

NotACPA

Graphics would be VERY helpful in understanding what you're seeing.

davidmarketing

@NotACPA I entered a transaction with a transfer account from my checking account to credit card maybe 3 weeks ago. It's now showing the same transaction twice.

NotACPA

Not what I asked.

splasher

Do you download transactions? If so, are they auto-entered? It sounds like you manually entered a transaction and then did a download and Quicken didn't see the downloaded transaction as a match and merge them together, leaving you with two transactions rather than one.

We need a more exact description of what you did from beginning to end to be able to provide help.

Playing twenty questions doesn't get the job done quickly.

Boatnmaniac

So as I understand it, you entered a credit card payment transaction as a transfer from your checking account to your credit card account. This entered the payment transaction into each account.

Then when the bank downloaded the payment transaction from the checking account into Quicken it was not matched to the previously entered transfer transaction.

Is this correct?

If so, it is not data corruption. Nor is is that Quicken is entering transactions erroneously. It is simply that the downloaded payment transaction from the bank did not get correctly matched. There can be several different causes for this including the downloaded Payee name not matching the transfer transaction Payee, the dollar amounts not matching and the downloaded date from the checking account being more than a couple of days later than the transfer transaction date, among other things. At best, Quicken's matching function is at best a guess by the software as to whether it is a match or not. And like most guesses, sometimes the software get it wrong.

This is just one example for why downloaded transactions should be reviewed before they are accepted into the register. During the review process a transaction that Quicken is not matching correctly can be correctly manually matched.

Some people have their Preferences set up to automatically enter transactions when they are downloaded. That's fine but it does mean that there will sometimes be issues with what is entered. Matching to wrong transactions or not matching and entering incorrect categories or payee names are perhaps the most common issues that can occur. Because of these things most SUs recommend not setting the Preference to automatically enter transactions.

Regardless of which method you use, the fix to this issue is simple: Try to manually match the transaction to the transfer transaction or, if that cannot be accomplished, delete the downloaded transaction that did not match to the transfer transaction.

davidmarketing

@Boatnmaniac

Yeah, there is a lot of good stuff in here. I did delete the double transaction and my balance ties so the fix is easy. But the cause is a bug.

I manually enter my transaction (from bank account to credit card) when I get my credit card statement. Normally, Quicken downloads the transaction from both bank account and credit card. I do not have automatic transactions. So, it usually shows up in my "Downloaded Transactions" as a "match" on both the bank and credit card when the transactions post. I delete both downloaded transactions since I already manually entered them.

So, I would not have double "accepted" from the downloaded transactions but I think you are right when it downloaded at that point, Quicken didn't recognize the transaction was there and automatically entered the second transaction just like my "online bills" are doing.

It's still a bug.

textoy22

This issue started cropping up a few months ago. Check the dates on the transactions. For autopayment transactions, my bank is changing the date the original transaction was entered to the date (e.g: 5/4/2026) the transaction was entered to the date (e.g: 5/6/2026) the transaction cleared the bank. Quicken sees the different dates and thinks it is a new transaction.

Boatnmaniac

@davidmarketing - So you delete the downloaded payment transactions rather than manually match them or allow Quicken to match them to the previously entered payment transfer transactions?

And the errant transaction that you found did not show up in the "Downloaded Transactions" tab below the account register?

Is the checking account set up to download via EWC or EWC+ and was that connection recently changed via Reauthorization, Reset Account, Deactivate followed by Add Account or Set Up Now, or changed from one connection method to a different connection method?

When an EWC or EWC+ connection gets changed it can sometimes cause a known issue where 1 or more transactions previously downloaded will get added to the account register causing a duplicate transaction issue.

These duplicate transactions do not show up in the "Downloaded Transactions" tab so there is no way for us to identify them and delete them before the duplicate transaction gets entered. How one usually finds out about them is during reconciliation because the account is out of balance. Finding and deleting the duplicate transaction(s) is the best way to fix the account balance.

We do not know the root cause of this issue. Quicken is well aware of it but has not yet implemented (or maybe not even identified) a fix for it.

So, if your checking account is connected via EWC or EWC+ and if at sometime after the transaction was initially downloaded (and deleted by you) the connection method was changed then this might have been the cause of the issue you experienced.

A few things I do to help ensure I don't get "surprised" when this issue has occurred:

Proactively enter & save the Opening Balance transaction dollar amount into the Memo field of each EWC/EWC+ spending account (checking, savings, credit card, etc.). This is because another issue that sometimes occurs when the connection method is changed is that the Opening Balance dollar amount gets changed. By proactively entering the correct dollar amount into the Memo field it makes it very easy to know if/when this issue has occurred and how to correct it.
Every time after a spending account connection method has been changed I immediately check the account balance. If the account is out of balance I will first check and then, if needed, correct the Opening Balance transaction dollar amount.
If the account is still out of balance I will scroll back through the register looking for any errant duplicate transactions and delete any that are found. Generally, if there are errant duplicate transactions, they will have occurred within the last 90-days window.

BTW, I am curious: Why do you delete the downloaded payment transactions instead of matching them or letting Quicken match them to the previous manually entered payment transactions? I find the Quicken matching process generally works pretty well for me.

davidmarketing

Thanks!

I used to always "Accept" and sometimes i still "accept" but I generally delete since there really is no value to accepting. I enter the transaction manually when I reconcile my statement. I don't include anything in the memos and everything is the way I want it.

If I accept it, I don't know if it will enter anything in the memos from the download so I just delete it. Again, to me, there is no difference of accepting vs deleting so just started deleting.

I can't remember in this situation whether I "deleted" in the downloaded transactions or it just showed up as a double entry. I manually enter credit card payments but all other transactions I use what is downloaded.

Bank of America is EWC+. There were no changes but I do remember recently there was an error on downloading Bank of America and took a day to self-fix. This maybe what you are mentioning.

Boatnmaniac

https://community.quicken.com/discussion/comment/20553295#Comment_20553295

Yes, that is also a possibility but when that happens the duplicate transaction would (or should) show up in the "Downloaded Transactions" tab as a new transaction. That gives one the opportunity to review and delete the duplicate transaction before it gets entered into the register.

You correctly noted that there are two different dates for transactions: The transaction date and the posting date.

When we manually enter transactions into the Date column the register it will show the date we enter there. What most people do is to enter the transaction date.

When the financial institution downloads transactions it downloads the dates they posted (or cleared) in their system. The posting date is often 1-3 business days after the transaction date.

The historical default is that the downloaded posting date will populate the Date column if a transaction date was not previously manually entered there. But if the transaction date was previously manually entered there then Quicken would not replace it with the downloaded posting date.

However, in one of the recent version updates Preferences were updated to include an option Quicken to replace previous manually entered transaction dates with the downloaded posting date. Make sure that option is deselected if you don't want that to happen.

Another thing you might want to consider doing if you haven't done so already is to add a column in the register for the Downloaded Posting Date. Then you can see both the transaction dates and the posting dates.

Boatnmaniac

@davidmarketing -

Bank of America is EWC+. There were no changes but I do remember recently there was an error on downloading Bank of America and took a day to self-fix. This maybe what you are mentioning.

I don't have any BofA accounts but I know there have been numerous connection and download issues with BofA over the past month or so related to some sort of downloading migration. Others have posted that their BofA accounts needed to be reauthorized (a connection change) where they were pushed from Quicken to the BofA website where they needed to log in and reauthorize BofA to download account financial data to Intuit/Quicken. So, yes, that might have been the cause of that duplicate transaction being entered.

davidmarketing

I agree - that is the cause. I do know your issue about the 1st transaction being modified sometimes so I watch for that. Now when I get these banking download issues, I will look for problems once it connects again. I think that is the problem. Ok, thanks!

Pam1234

This has been happening to me a lot lately too. The first time it totally messed up my registers, as it went back a long time and duplicated transactions that had previously been downloaded and reconciled. I called Quicken Support and they had me restore my backup and update one account at a time. Each time, it duplicated some transactions. They had me also do a Repair File. That helped a little, but still hasn't fixed the issue.

Quicken needs to figure out what is causing this and fix it. The software wasn't having this problem until a few months ago and now it's every single time I update my transactions.

It is very frustrating, indeed! We are relying on this software to maintain our accounts, and it's not helpful when it's blowing them up!

BTW - I was already doing all the suggestions that had been given above, and this still happened!