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Incomplete transaction download from US Bank.

Unknown Member
edited October 2018 in
Using "One Step Update" for a US Bank credit card account.  Quicken is randomly missing transactions.  For example there might be 25 transactions posted on the same day.  Quicken will only show 21 or 22 of them.  If I go directly to the bank's website and download the qfx file directly Quicken correctly recognizes the missing transactions.

Does Quicken keep a copy of the data downloaded via One Step Update? I'd like to try and see if the transactions are there and just being ignored or if they were not downloaded at all.

This has gotten REALLY annoying.  I just recently had to go back and locate 3 transactions that were lost within the last two months (because I did not have receipts and Quicken never downloaded them so I never knew they existed other than the balance was wrong).

Comments

  • Unknown Member
    edited July 2016
    Just to further clarify, I'm not talking about same-day transactions or anyhting like that.  These are transactions that have been posted and I can see them with I log onto the bank's website as well as when I manually download the QFX file.  But the One Step Update fails to see them.
  • Unknown Member
    edited October 2018
    Most likely you are using Express Web Connect to US Bank, which they have had just this kind of problem with for a few months now.  If go to the register: Account Actions -- Edit Account Details -- Online Services, you can see the connection type.

    Quicken doesn't keep a copy of the downloaded transactions, but it does have a log.
    Help -- Product and Support (I think on your version) -- Log Files ... -- OFX Log.

    Since this is a log that can span multiple sessions start from the bottom.

    Also see this thread:
    http://getsatisfaction.com/quicken/topics/many_transactions_do_not_download

    And this one:
    http://getsatisfaction.com/quicken/topics/incompetent_software
  • Unknown Member
    edited July 2016
    QPW said:

    Most likely you are using Express Web Connect to US Bank, which they have had just this kind of problem with for a few months now.  If go to the register: Account Actions -- Edit Account Details -- Online Services, you can see the connection type.

    Quicken doesn't keep a copy of the downloaded transactions, but it does have a log.
    Help -- Product and Support (I think on your version) -- Log Files ... -- OFX Log.

    Since this is a log that can span multiple sessions start from the bottom.

    Also see this thread:
    http://getsatisfaction.com/quicken/topics/many_transactions_do_not_download

    And this one:
    http://getsatisfaction.com/quicken/topics/incompetent_software

    Thanks for the feedback.  I just wanted to reply and say I haven't yet had the chance to further explore this problem but I will be looking into the information you posted.  FWIW, to solve a separate issue I stopped using this card for ~1 week so that everything could "catch up" and balance.  The problem is still happening though.
  • Douglas BergDouglas Berg Member ✭✭
    edited November 2016
    QPW said:

    Most likely you are using Express Web Connect to US Bank, which they have had just this kind of problem with for a few months now.  If go to the register: Account Actions -- Edit Account Details -- Online Services, you can see the connection type.

    Quicken doesn't keep a copy of the downloaded transactions, but it does have a log.
    Help -- Product and Support (I think on your version) -- Log Files ... -- OFX Log.

    Since this is a log that can span multiple sessions start from the bottom.

    Also see this thread:
    http://getsatisfaction.com/quicken/topics/many_transactions_do_not_download

    And this one:
    http://getsatisfaction.com/quicken/topics/incompetent_software

    Well, I hate to be the bearer of bad news, but I contacted US Bank tech support and they claim they do not support One Step Update! Unbelievable, huh? They must be too busy with other things, like throwing people out of their homes.
  • Unknown Member
    edited July 2016
    QPW said:

    Most likely you are using Express Web Connect to US Bank, which they have had just this kind of problem with for a few months now.  If go to the register: Account Actions -- Edit Account Details -- Online Services, you can see the connection type.

    Quicken doesn't keep a copy of the downloaded transactions, but it does have a log.
    Help -- Product and Support (I think on your version) -- Log Files ... -- OFX Log.

    Since this is a log that can span multiple sessions start from the bottom.

    Also see this thread:
    http://getsatisfaction.com/quicken/topics/many_transactions_do_not_download

    And this one:
    http://getsatisfaction.com/quicken/topics/incompetent_software

    I gave up on One Step Update; I download the transactions using US Bank's website instead.  It's still annoying, because Quicken can't correctly distinguish transactions that I've already downloaded (even though there's a unique ID for every transaction in the memo) but as long as I'm careful about the start date I choose it's been working ok.
  • Unknown Member
    edited December 2016
    QPW said:

    Most likely you are using Express Web Connect to US Bank, which they have had just this kind of problem with for a few months now.  If go to the register: Account Actions -- Edit Account Details -- Online Services, you can see the connection type.

    Quicken doesn't keep a copy of the downloaded transactions, but it does have a log.
    Help -- Product and Support (I think on your version) -- Log Files ... -- OFX Log.

    Since this is a log that can span multiple sessions start from the bottom.

    Also see this thread:
    http://getsatisfaction.com/quicken/topics/many_transactions_do_not_download

    And this one:
    http://getsatisfaction.com/quicken/topics/incompetent_software

    I should point out that you will get this statement a lot "we don't support One Step Update".  Why?  Well that is one of reasons why this such a hard problem for Quicken/Intuit.

    There is a standard called the OFX protocol, which Intuit calls "Direct Connect", but only about 1400 financial institutions support it.  So how is Intuit supporting 15,000+ financial institutions?  They call it Express Web Connect, but you can call it "any way we can".

    Possible ways that Express Web Connect might get your data.
    1) The financial institution provides a "back door" to their website as in some known place for Intuit's servers to go and how to download, basically a custom protocol for that one financial institution (which may or may not be used at other places when they agree to a "back door").
    2) They try to log in just like you would to the website (going through the same security question and whatnot) and get the QFX file and download it.
    3) If the QFX file is not available they might try to read the actual web pages and they try to create a QFX file based on what they find.

    So the point is that the financial institution may provide little or no support in this, the burden is on Intuit (and people think downloading costs Intuit nothing and they should get it free instead having to pay again every three years).

    Also note that it is Intuit's servers, and the people that support them, provide the magic (how to get the data), not Quicken itself, for Express Web Connect, so your user name, password, security questions, ... are stored on Intuit servers.  With Direct Connect Quicken does talk directly to a OFX server at the financial institution, and that is the reason it is much more reliable.  It doesn't change whereas websites change all the time.
  • Douglas BergDouglas Berg Member ✭✭
    edited November 2016
    QPW said:

    Most likely you are using Express Web Connect to US Bank, which they have had just this kind of problem with for a few months now.  If go to the register: Account Actions -- Edit Account Details -- Online Services, you can see the connection type.

    Quicken doesn't keep a copy of the downloaded transactions, but it does have a log.
    Help -- Product and Support (I think on your version) -- Log Files ... -- OFX Log.

    Since this is a log that can span multiple sessions start from the bottom.

    Also see this thread:
    http://getsatisfaction.com/quicken/topics/many_transactions_do_not_download

    And this one:
    http://getsatisfaction.com/quicken/topics/incompetent_software

    With respect to US Bank, why have 1400 financial institutions done what US Bank refuses to do? They are one of the nation's largest banks.

    That was actually a rhetorical question. The answer is: they don't care. Have you noticed their internet banking site has not changed in years? Clearly it doesn't matter much to them and it s not likely to change anytime soon.
  • Unknown Member
    edited December 2016
    QPW said:

    Most likely you are using Express Web Connect to US Bank, which they have had just this kind of problem with for a few months now.  If go to the register: Account Actions -- Edit Account Details -- Online Services, you can see the connection type.

    Quicken doesn't keep a copy of the downloaded transactions, but it does have a log.
    Help -- Product and Support (I think on your version) -- Log Files ... -- OFX Log.

    Since this is a log that can span multiple sessions start from the bottom.

    Also see this thread:
    http://getsatisfaction.com/quicken/topics/many_transactions_do_not_download

    And this one:
    http://getsatisfaction.com/quicken/topics/incompetent_software

    Well running the OFX software and maintaining it does cost money (not to mention that Intuit charges them a licensing/service fee), and more and more the ones that do provide it are asking for a monthly service fee.  That goes for Chase and BoA (and most likely Well Fargo).  Whereas they will let you have Express Web Connect for free.  And people won't go with the Direct Connect and pay the money they rather go with Express Web Connect and complain it is not reliable.  Some times with the right accounts and such you can get them to wave the fees.

    Having a "local" bank certainly is a costly thing.  I personally have no "local" bank.
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