Capital one transactions importing with last four digits of credit card in the payee name

My Capital One credit card transactions all come through with the last four digits of the card number in the payee. E.g. "Merhant - XXXX". This behavior started happening in October 2024, and it messes up transaction rules.
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Hello @leothemack,
Thanks for reaching out! If you visit the bank's website, do the payees appear to have the last 4 digits of the account listed on the transactions there? Similarly, if you download a CSV file of your transactions from your bank's website, is it the same there? Can you also provide the following information as well:
- The type of account the issue is occurring with.
- Are only certain types of transactions downloading this way (i.e. only transactions where a debit card or bill pay was used)?
- Is the issue unique to a specific bank/account ?
- (I.e. do you have other banks in Quicken Simplifi that do not have this problem? Do you have other accounts with this bank in Quicken Simplifi that don't have this problem?)
- How does the "Appears on your statement as…" info read for the transactions in question?
- (This can be found in the Transaction Detail view)
Let us know!
-Coach Jon
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I see the same thing with my Capital One credit card - the last for digits of my account number is included in the payee description and included in the data downloaded to QS.
Here is the transaction list and you can see that sometimes the account number is carried over into the Payee name column and sometimes not…
In this instance, QS changed the Payee name excluding the account numbers, although I would prefer that the Paye name was changed to "Adventure of the Seas"
I do not have a rule set up to make this change and don't know why this one was changed dropping the account number while in other instances QS retains the original downloaded payee name data.
Here is another example. QS correctly identified this transaction and changed the Payee name to "Chili's" dropping the "extraneous" info in the statement data. Again, I don't have a rule set up to make this change.
When I do make a rule to change the payee name and the category, I have found that QS follows the rule.
I don't make a rule for a transaction if it is a unique expense that more than likely won't be repeated - for instance eating at a restaurant while traveling with no likelihood of ever eating there again.
Danny
Simplifi user since 01/22
”Budget: a mathematical confirmation of your suspicions.” ~A.A. Latimer0 -
Hello @DannyB,
Thanks for letting us know. This is probably specific to Capital One and how they send data to Quicken Simplifi in this case. The previous user in this thread stated they noticed it started happening in October 2024. Can you verify the same if you are aware?
-Coach Jon
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My supposition also and it's not an issue for me… I can and do create rules to rename and categorize repeated expenses at repeat vendors.
Danny
Simplifi user since 01/22
”Budget: a mathematical confirmation of your suspicions.” ~A.A. Latimer1 -
Hi Jon, thanks for looking into it.
I downloaded the CSV from Capital One and the last four digits do not appear in the payee/"description" field.
Also I can see in my transactions this behavior started on October 1, 2024. All the payees from before that date do not include the last four card digits, and all payees after do.
- The type of account the issue is occurring with: Capital One Venture X (credit card).
- Are only certain types of transactions downloading this way (i.e. only transactions where a debit card or bill pay was used)?: All transactions from this card since October 1, 2024.
- Is the issue unique to a specific bank/account?: Yes, only Capital One and I only have one card with them. My credit card transactions from other banks do not present this issue.
- How does the "Appears on your statement as…" info read for the transactions in question?: It appears with the last four digits, same as the screenshot provided by DannyB above.
Also I can second everything that DannyB shared.
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Hello @leothemack,
We have confirmed with our product team that this is the way that the transactions are coming in from the bank. I would suggest using renaming rules in this case if you do not want the last 4 numbers in the transactions.
-Coach Jon
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Thanks Jon. Is there a Capital One support contact that could address this specific concern that I could speak to? Also could Simplifi alter the payee descriptions that appear in transactions view to ignore the last four digits on the statement name since it's consistent?
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Hello @leothemack,
Thanks for your reply. We would not know if there is a specific contact at your bank here in the community, unfortunately. As for our request for Quicken Simplifi to alter the payee upon downloading, that is why we suggested creating a transaction rule in this case.
-Coach Jon
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