April 2, 2025 cc-506 charles schwab

@Quicken Anja

I'm going to "Me Too" this problem. Working through the support article (8 accounts!) did get me reconnected, but resulted in new problems as shown:

So, now what? I guess I could manually de;ete the downloads and then manually clear the transactions (losing date downloaded info) but what if the problem repeats with the next OSU?

Suggestions?

ADDED1: I was so focused on the downloads I didn't realize that the process had completely hosed my register! That line item "Statement" shows the bank's balance as the first number and then starts with the balance in the Register as of that date - $1,286.04. Now that balance is shown as ($454.20)!

ADDED2: Looking at the hosed file I did see that the Opening Balance had been changed from $0 to a $1.7K transaction, but changing that transaction back to $0 didn't fix things. I scrolled backwards looking at previous "Statement" entries and it was clear that transactions throughout the Register had been changed as the difference between my "text" current Register balance and the balance in Quicken was constantly changing. Restored a backup from last night to get things back to normal, so now I'm going to sit tight. I'll do an OSU without Schwab included just to get me back to where I was before trying to fix the Schwab issue.

ADDED3: Man, I've put hours and hours into this problem but, I think, I might be in a place that isn't perfect, but I'll try to live with for the moment.

This morning (4/3) I took my most recent known good file, made doubly sure that every single Schwab Account (including "Separate") was unconnected and did an OSU on the file for all the other Accounts. I saved that file, did a Validation on the file - no errors other than one of those stray "ACCT_XXX" leftover Accounts - then laboriously walked through Adding and Linking all the Schwab Accounts. That process seemed to work except there were no new transactions downloaded even though 2 of the Accounts did have eligible transactions that should have been downloaded. I then did a OSU on all of the Schwab files.

Once again Quicken changed the $0 "Opening Balance" number in the checking Account. (The number entered was actually Schwab's 3/31/25 balance for the account.) This time however fixing that error did bring my Register back into balance. Whew! Quicken also downloaded - once again - the three $0 transactions shown above with the "Match" being to my $0 "Statement" line and 2 "New" transactions even though the proper transactions are there in the Register. I simply deleted those downloaded transactions and will manually clear them.

In the Investment Account with transactions those 2 transactions did download properly and I accepted them.

I'll see how this plays out over the next few days.

ADDED4: After a day or two of running seemingly OK, the Schwab Checking Account - the ONLY ONE of the 8 Schwab Accounts in my file, came up with the cc-506, but now the OSU Summery is saying all the Accounts are affected. Looking at the Checking Account Quicken once again affected the Opening Balance, changing it form $0 to the 3/31/25 statement amount, and downloaded those same 3 zero-dollar "Deposit" transactions as noted above.

I just did a "Update now" on Schwab and 2 Accounts that actually have had some transactions showed the red flag signalling transactions downloaded. The Savings Account showed a transfer out affected 4/5, but the Checking Account did not download that transaction, though Schwab's site showed the transfer in both Checking and Savings. A Roth downloaded 2 Bought transactions that took place 4/3/25, so that CC-506 error really seems to only be affecting the Checking Account despite what the OSU summary says.

ADDED5: Downloads from Schwab are properly being reflected in Schwab Accounts with transactions EXCEPT the Checking Account; no new transactions are being downloaded, the Opening Balance is not being affected BUT… Quicken is deleting "future" (future to "today's" download) manual transactions! So, for example, today after doing the OSU, I looked in the Checking Account Register to see how we were set for cash for the upcoming 4/15 income tax payments - Franchise Tax Board and United States Treasury - and NO FUTURE transactions with these two entities were in the Register. A Register search for these two payees resulted in the same output; they both stopped at the 1/15/2024 transaction previously recorded. Not only did Quicken delete these transactions, it deleted the Memorized Payees for these two payees.