New behavior with manually added transactions matching pending?

JCG2042

Up until about 2 weeks ago, Simplifi was handling this scenario correctly. Here is the way it used to work:

• I pay a bill (i.e. a credit card payment) and manually enter the transfer from one account to the other on the day I make it, so I can see the future balance and ensure proper balance forecasting between income deposits.
• The "pending balance" adjusts correctly and shows the "real" balance I have available for use.
• This state remained until both sides of the transaction cleared and the downloaded version matched up with the manually entered one. Sometimes - they wouldn't match, and I would simply match them manually, but not usually.
• All was good.

Current Behavior (and this is with two different checking accounts - Key, BofA)

• I pay a bill (i.e. a credit card payment) and manually enter the transfer from one account to the other on the day I make it, so I can see the future balance and ensure proper balance forecasting between income deposits.
• The "pending balance" adjusts correctly and shows the "real" balance I have available for use.
• Once the transactions start to settle on the CHECKING side of the transaction, they duplicate, but are not visible to me as duplicates, and the balances are inaccurate. To be more specific, the transaction register is completely correct in the number of transactions, but the pending transactions from the bank are adjusting the pending balance in Simplifi but DO NOT appear in the register to be matched. The result is: A) Inaccurate account balances; B) Email, text, and app notifications that I am overdrawn or have a low balance (These alerts are wrong)

Changing system setting to "Bank Balance" doesn't suit my needs because it completely ignores anything I manually enter in the register that hasn't cleared, and thus doesn't adjust the projected cash flow graph. With the current problem, I have to manually double check my work to ensure I haven't overpaid something until the transactions clear completely. It used to be very rare that my checking account balances didn't show exactly what I expected, now they are rarely correct, unless there have been no transactions on the account for a few days and nothing is pending.

Coach Jon

Hello @JCG2042,

Thanks for reaching out! I am sorry to hear about the duplicate transactions issue you are experiencing. We do have a great article that shows how to resolve these duplicate transaction issues here: https://help.simplifimoney.com/en/articles/4901071-how-to-resolve-duplicate-transactions#h_415fc88d6f

If you follow those instructions and the problem still exists, be sure to let us know!

Thank you,

Coach Jon

JCG2042

You missed a part - The transactions are not duplicated during this problem. The balance is simply incorrect. The amount that the balances are incorrect equates to the transactions being duplicated, but they are not there.

My issue sounds similar to this:

https://community.simplifimoney.com/discussion/10514/balances-completely-wrong-today-10-25-from-doubled-transactions

I have NO outstanding/pending transactions in either of my checking accounts right now. If I select "Bank Balance", the Simplifi balance matches the bank. If I chose "Balance with Pending", the balance is incorrect, and the difference is the EXACT amount of the transactions I manually entered as transfers to other accounts within Simplifi.

It appears you have a bug where manual transactions are being auto-matched to downloaded transactions in the UI, but they are not matched in the balances.

SRC54

Have you tried resetting the account. I've had to reset my bank account twice in two weeks because the balance was off. This morning I had two ACH payments that cleared for Insurance. They were properly cleared and the balance downloaded correctly but Simplifi was still deducting them again as Pending. It worked correctly in Quicken Classic this morning.

Yes, I had entered both as manual transactions when I did the payment on Sunday. On Monday, Simplifi downloaded the transactions as pending and matched them. This morning, it cleared them correctly. So this seems to be a problem with Simplifi and not the download. @JCG2042

Coach Jon

Hello @JCG2042,

Thank you for the clarification. It appears that the bank is sending in a balance that includes pending transactions and you also have Quicken Simplifi set up to count pending transactions. I would have you verify in the transactions you have created what the "Appears on your statement as…" information states so we can verify if Quicken Simplifi is auto-matching manual transactions to downloaded transactions, as you have noted.

In addition, I would also verify if a fresh connection might resolve things as well, as @SRC54 suggested. You can make the accounts manual and then use the Add Account flow to get a completely fresh connection. If the connection is successful, you'll then want to link the accounts to your existing Quicken Simplifi accounts. Let us know how that goes!

Thanks,

Coach Jon

JCG2042

When I checked earlier, the transactions were the downloaded versions and showed connected to my manual entries. There were no duplicates to merge.

This afternoon, the balances resolved themselves in Simplifi. However, the bank view was unchanged from this morning.

So either an adjustment was made in the back end, or some oddity with the way Simplifi is handling the connection is causing this.

In any event, this started after the last "update" prompt when I was using the software.

SRC54

@JCG2042 I am glad the next update fixed it. That is usually the case with mine when they get messed up, but what happens with most of those accounts (Chase, Capital One) is that they update the balance ahead of clearing the transactions. I have to go ahead and clear the transactions or wait til the next download. This is the Bank's fault or at least a problem with the download. I can tell because it is the same in both Simplifi and Quicken Classic.

On this banking account I referenced above, it has been different. It updates the balance AND clears the transactions, but for some reason Simplifi continues to count the "cleared" transactions as pending. So far only resetting the account has fixed it. Next time it happens, I will try some other things. But this seems to be Simplifi's fault since this problem hasn't occurred in Classic. @Coach Jon

Coach Jon

Hello @JCG2042,

Thanks for letting us know. I am glad the balances ended up resolving themselves. I would definitely stay on the lookout moving forward for if this issue returns, and to let us know if it happens again.

@SRC54, Thanks for following up. If you notice the behavior you mentioned again with Quicken Simplifi counting cleared transactions as pending, be sure to create a new post and let us know.

Thank you,

Coach Jon