Regions Bank - Pending transactions download twice (edited)

Fradojr

I’m having an issue where certain transactions that remain pending for more than a day are being re-downloaded, which then requires me to manually clear them out before the transaction actually clears. If I just let them clear, most of the time they process correctly. However, when I’m trying to maintain an accurate running total and balance, this becomes a real problem.

SRC54

If you mean that the pending transaction is redownloading so that you have two transactions, then you can try merging them. If that doesn't work, you can delete the duplicate. I have an account that does that sometime for the same reason that you say, that it takes more than one day for them to clear.

As you say, clearing one of them will work to fix your bank balance, but it messes up your spending reports. I just delete my duplicates if I cannot merge them.

Usually the pending transaction that is left will clear the next day. As you say it is intermittent and not a constant problem.

Edit: But it's interesting that a big bank like Regions takes multiple days to clear a transaction. I figured my state bank just took longer. What my bank does is it updates the debit card transaction on day 2 and changes the date, so Simplifi often interprets this as a new transaction.

Example: Day 1 it is dated the 3rd and it is a debit at the gas station. Simplifi applies the category rule as gasoline. On Day 2, it is dated the 4th and same thing happens but as a second transaction (Note that this doesn't always happen; sometimes Simplifi gets it right). On day 3, it clears the transaction, usually correctly as I will have deleted the duplicate.

Is Regions doing that as well?