Discover Checking Pending Transactions come in as cleared

Freebanana

Pending transactions for discover checking come in as cleared instead of pending, causing the account balance to be incorrect.

Coach Natalie

@Freebanana, thanks for posting to the Community!

To provide a bit more insight on how balances work in Quicken Simplifi, banks typically provide a balance that does not include pending transactions, and then you can set Quicken Simplifi to deduct pending transactions from your balance in the program.

https://help.simplifimoney.com/en/articles/4202003-how-to-resolve-balance-discrepancies#h_62944fa3f8

With that, I wanted to confirm what balance you're seeing versus what balance you expect to see. Does Discover send in a balance that doesn't include pending transactions and you want Quicken Simplifi to deduct pending transactions from your balance, or is the bank sending in a balance that already includes pending? Or is it possible that there is something else going on with the balance in Quicken Simplifi?

Also, do you have other Discover accounts in Quicken Simplifi? If so, do they also present the same pending transaction/balance issue? And do you have the account(s) connected to the Discover Bank or the Discover Card option? Have you tried resetting the connection or anything along those lines to see if the behavior improves moving forward? You can establish a completely fresh connection with the bank by following these steps:

1. Make all of the accounts with this bank manual by following the steps here.
2. 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.
3. Carefully link the account(s) found to your existing Quicken Simplifi account(s) by following the steps here.

Please let us know so we can best assist!

-Coach Natalie

Freebanana

@Coach Natalie Discover is providing a balance that does not include pending transactions and I want Simplifi to deduct the pending transactions. I've switched the settings between Bank Balance (Default) and Bank Balance with pending and neither work. I've also tried resetting the connection.

I think the problem is because pending transactions come in as cleared and there isn't a way in Simplifi to change the transaction to pending. As shown with the bellow transaction.

Coach Natalie

@Freebanana, thanks for confirming!

Yes, if you'd like Quicken Simplifi to count the pending transactions toward the balance, they need to be in a "pending" status in the program. I'd suggest following the steps I listed above to establish a completely fresh connection with the bank and then keep an eye on newly downloaded transactions to see if the issue is resolved moving forward.

1. Make all of the accounts with this bank manual by following the steps here.
2. 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.
3. Carefully link the account(s) found to your existing Quicken Simplifi account(s) by following the steps here.

If the issue persists with new transactions, please provide the other info I asked for above: do you have other Discover accounts in Quicken Simplifi? If so, do they also present the same pending transaction/balance issue? And do you have the account(s) connected to the Discover Bank or the Discover Card option?

We would also need the following data:

1. The name of the account in question, as it appears in Quicken Simplifi.
2. The name of the account in question, as it appears on the bank's website.
3. A screenshot of the balance for the account in Quicken Simplifi.
4. A screenshot of the balance displayed on the bank's website for a comparison.
5. The Date, Payee, and Amount of 3 example transactions the issue is occurring with.
6. A screenshot of these example transactions in Quicken Simplifi.
7. A screenshot of these same example transactions in Quicken Simplifi.
8. A screenshot of the Accounts Summary page from the bank's website (the page that lists all accounts and balances - feel free to redact any private info) that has a wide enough scope to show the page URL (this must be taken from a web browser and not a mobile browser).

Please also submit your logs via the 'Send Feedback' option:

1. Log into the Quicken Simplifi Web App.
2. Select Profile from the left-hand navigation bar.
3. With the Profile menu open, hold down the Option key for Mac or the Alt key for Windows, and then click Send Feedback. 
4. Leave all boxes checked, add a brief description of the issue, and then click Send.

Much appreciated!

-Coach Natalie