Navy Federal (Long-Term issue): Pending transactions "rarely" clear themselves

RobWilk

I've been following this issue for a while, I believe (though, i'll try again if suggested) I have tried disconnecting (make manual) and reconnecting the account with the same result.

1. New transactions always download as pending
2. Many, but not all, of those pending transactions never "clear" themselves.

Here's an example right now -

While i didn't have to manually clear, for example, "Amazon Web Services" charge on that same date (that automatically cleared), the three dreamhost charges, which ARE cleared, never cleared themselves:

I am also just now noticing the "AMAZON MARK" (which was Amazon Marketplace, a case/screen protector for a phone i purchased at the Samsung Experience store for development testing) never downloaded either. (The guy at Samsung Experience was super helpful, it was a $199 phone and he "threw in" 2-years of Samsung Care protection, which they handle repairs on right there in the store.)

All of the not-cleared/missing transactions are DATED (not pending) yesterday. (The Amazon transaction was probably ordered last Saturday.)

Regardless, I know that it synced because in Simplifi, the balance is now wrong because of those uncleared transactions - this happens all the time, but only with this one financial institution. This indicates simplifi has the up-to-date bank balance, but is applying pending transactions on top of that.

You can see from the bank screenshot above that the current balance is $347.77 (yes, I'll pay that off in about 3-4 weeks).

Simplifi right now is showing:

Now, while I'm writing this I'm going to manually clear those transactions which i almost always have to do.

After manually clearing them, NOW simplifi's balance matches my bank balance:

I've been doing this kind of thing for months, and I've been using this account more because:

(1) All of my other interest-bearing credit card accounts have APRs over 27%

(2) This card has had an APR of 18% as long as I've had it (I probably opened the card last July)

(3) This card recently went from a $500 limit (which made it difficult to use) to a $3500 limit, which is perfect for a daily use card for me (where i intend to pay the balance off each month)

Coach Natalie

@RobWilk, thanks for posting to the Community with this issue!

To clarify, are you seeing only a single transaction download for each charge that never clears in Quicken Simplifi, or does a separate cleared version of the transaction also download, resulting in duplicate entries? This will help us determine the best next steps.

I would also recommend establishing a completely fresh connection with your bank and generating a new access token to see if that clears things up. From there, you can monitor transactions going forward to see whether the issue recurs.

1. Navigate to the bank's website, sign in, and remove Quicken's access from the bank's third-party linked apps.
2. Navigate back to Quicken Simplifi and make all of the accounts with this bank manual by following the steps here. 
3. Once you see the account(s) listed in the Manual Accounts section under Settings > Accounts, go back through the Add Account flow to reconnect to the bank.
4. Carefully link the account(s) found to your existing Quicken Simplifi account(s) by following the steps here. 

Let us know how things go!

RobWilk

Only the pending (not a second cleared) downloads.

I just noticed that Navy Federal is 'featured' by Quicken Simplifi when adding financial institutions on the screen with icons.

I found that out while following your steps, which I did exactly. Unclear when the next transaction will happen.