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Synchrony debit and credit downloads are transposed to wrong columns

georgenazar

I am on Windows Version R69.53 Build 27.1.69.53

This has been going on since I added my second Synchrony credit card (Chevron Visa) around May 2026.

It started before I downgraded from Home & Business to Premier in August 2026.

There are no error messages; that is what worries me

I use one Synchrony login, my CareCredit Mastercard login, because it was the first one I had. When I added more to that login, the following happened.

I have 4 Synchrony credit cards: Phillips 66/76 gas card, Chevron Visa, Walmart OnePay, and CareCredit Mastercard. When I download transactions from Synchrony, payments are put in the charge column, and charges are put in the payment column - they are backwards! This gets very confusing when attempting to reconcile! Has anybody else had this issue? I know that Synchrony is not the best with regard to downloading transactions, but this is completely unacceptable and seems like an easy fix. I have been using Quicken since 1998, so I am very familiar with most processes, and this has NEVER happened in 30 years!

Please help me. [Edited - Readability]

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Sceptic

@georgenazar I am wondering if the issue may be specific to your Quicken file or to how the Synchrony accounts are linked within Quicken.

A few things I would check:

Verify that all four accounts are set up as Credit Card accounts in Quicken.
Confirm whether the downloaded amounts themselves have the wrong sign, or whether the amounts are correct but simply appearing in the wrong Charge/Payment column.
Try a Reset Account on one affected account.
If that doesn't help, consider deactivating all Synchrony accounts and then reactivating them, carefully linking each discovered account to the existing register.

Since the issue began when additional Synchrony cards were added under the same Synchrony login, I would be particularly interested in whether re-establishing the account links changes the behavior.

Quicken James

Hello @georgenazar,

Thank you for bringing this issue to our attention in the Community. I am happy to assist!

To better understand the issue and narrow down the right path forward, please answer the following questions.

When the issue started in May, do you recall anything changing with the bank at that time?
- For example, did they make any changes to your accounts or login process?
In May, was that the first time adding the Synchrony cards into
Did anything change with your computer? (e.g., computer update)
Where is your Quicken data file located? Is it on any 3rd-party storage service/external drive? (e.g., Dropbox, OneDrive, USB, etc.)
- If unsure, here is a Support Article to help you locate your file.
What happens if you create a test file and add the Synchrony accounts into that new file?
- Here is a Support Article to help you create a new data file and add accounts.
  - In the new data file, do the transactions come in correctly?

Please let me know what happens with the new data file that includes the added accounts. The steps provided by @Sceptic are also good additional troubleshooting measures to try to resolve this issue.

I look forward to your response.

georgenazar

I am going to try the tricks you suggested.

But I also forgot to tell you, ALL 4 accounts are listed as Value City Furniture Credit Card and not CareCredit. I am going to re-initiate all 4 accounts, hopefully to the correctly labeled accounts.

Thanks so much!

georgenazar

I almost got them all working correctly.

First, C:\ProgramData\Quicken(ProgramData is not a folder in Windows 11 even with hidden files turned on. The folder is

C:\ProgramData\Quicken. That is where I found the Cache folder, which I renamed and later deleted. It did not solve the problem at first.

So I……..

Made a copy of the Quicken file and the Credit card limit duplication error was gone. When I clicked on the Home/dashboard, it went directly to change the value. What it did not do is fix the card limit 'download to the wrong card' error. So I then I……

Deactivated online services for the 4 Synchrony cards. Then I re-established connection, but this time I used the Chevron Visa choice in the drop down menu, but used my CareCredit login credentials, just as before. This time everything looked different and all was repaired. Except for one thing……….

I neglected to mention that I also have a VenmoVisa through Synchrony. When it was all messing up and it was all going through 'Value city Credit card' and all the mistakes were happening, the Venmo/Visa was the only card that downloaded correctly, but it too was victim of the 'download to the wrong card' error. Here is what you do not know. The Venmo debit mastercard and the Venmo Credit Visa ARE DIFFERENT BANKS AND CANNOT BE UPDATED TOGETHER! Once again, Synchrony does not play well digitally with others. I attempted to use my good o'l CareCredit login credentials and/or my Venmo Debit login and neither would work with Synchrony or Venmo as the 'bank'. I do not know what to do now that My Venmo/Synchrony Visa no longer has update capabilities. The weird thing is that on the Venmo Android app, they function together correctly. What should I attempt next? Is this something that Quicken should know about or should I call Venmo or Synchrony?

Hope all this makes sense.

Thank you so much for the help both of you provided. I used 90% or the advice of each of you and repaired my Quicken file.

I will CC this to the other post.

georgenazar

Thank you James.

Thankfully I did not have to go through all that you suggested and Sceptic's suggestions on both posts somehow got almost all working.

Please read my reply above and let me know if you know how to solve my new/current Venmo/Synchrony issue.

Thanks!

George

Sceptic

@georgenazar the financial institution that works well with Synchrony credit cards is "Synchrony Mastercard". I am not positive it will work for you but it's worth a try.

georgenazar

Yes that is the one that I used with both logins, and it did not work.

Quicken James

Hello @georgenazar,

Thank you for following up! I am glad you were able to get your Synchrony cards reconnected and that they are functioning as they are supposed to.

I am happy to help look into your Venmo issue.

After reviewing your account on the backend, it appears you are receiving a CC-503 error when updating your Venmo and Synchrony Bank credit card accounts.

Please refer to the CC-503 error troubleshooting guide for steps to resolve this issue. Here are the first couple of steps from the article.

Step One: Verify your bank login information

Type your password/PIN into a text application, such as Notepad, WordPad, or another text/word application.
- Note: This is a way of confirming you don't have typographical errors in this field.
Highlight the "confirmed" password and then copy it (Ctrl + C) and paste it (Ctrl + V) into the appropriate fields in Quicken.

Step Two: Verify your bank login at the bank's website

Go to your bank's website and confirm that you're able to log in with the expected username and password.
Once you are logged in, review your account on the website for notifications (such as pending messages in a mailbox or message center) to confirm if further action is required to grant Quicken access.
- Some banks will require a separate login, password, or both to access accounts on third-party software. Also note, you may need to go to your settings on the website to access these prompts for new credentials.

Could you please provide the URL you use to access your accounts through a web browser?

Also, please let me know the results after following the troubleshooting guide.

I look forward to your response!