Chase pending transactions - delay in being counted toward balance (edited)

EL1234 · 5:25AM

I've seen a new issue a couple of times recently. It only seems to come up between midnight and the next bank refresh.

Here's my situation right now:

I have 2 pending transactions (outgoing payments) that were entered on or before 12/30 with a date of 12/31. They were automatically converted to future reminders when I created them.

The clock struck midnight and now it's 12/31. What happens in Simplifi is that those two reminders were converted to pending transactions. Great! That's what it should do! The issue is: they are NOT reflected in the Balance with Pending or in the "You have a total of -$xxxx pending transaction in this account." tooltip.

The reason this is a problem: now that the transactions are no longer reminders for the future, but they aren't either subtracted from my bank balance at this time, my cash flow projection for today/tomorrow shows as much higher than it should and than it showed just a few minutes ago, before midnight.

I have seen the same issue over the last few weeks with one and with three transactions, and with income transactions (which leads to the opposite problem of cash flow showing lower than it should).

It always seems to be cleared up by the morning which is why I haven't posted about it until now.

I don't know if this issue is specific to Chase or not and am curious if anyone else has experienced this issue.

Thanks!

RobWilk · 11:54AM

I think this is a longer term issue with Chase I used to be intimately familiar with (I don't remember the precise details anymore). It had something to do with when transactions occur outside of banking hours, it might match the transaction to the bank transaction, but maybe the downloaded balance from the bank did not update properly outside of business hours, so the result was simplifi's balance would be wrong. I think Quicken determined this was something Chase was doing and refused to change that caused this. At some point, I just accepted that after 9pm (?) until maybe 8-9am (?) (Eastern Time), and on holidays and weekends, Chase's balance couldn't be trusted in Simplifi.

SRC54 · 12:26PM

Try changing the date back to 12/30 to see if they will count now. Then change them back later.

I have discovered on occasion that Simplifi is confused early in the morning as to what the date is. This is something vague and I haven't checked it out much. I sense that it is Simplifi's problem and not the bank's.

And I think it will resolve itself in a few hours as you say.

RobWilk · 12:30PM

Last time I reported this was about a year ago here:

https://community.simplifimoney.com/discussion/10726/chase-balance-is-incorrect-edited

The "resolution" to that issue was that this was the longer-term issue we already discovered (which i initially thought might've been fixed but was not):

EL1234 · 1:48PM

@RobWilk this seems to be a different thing since it's not transactions happening outside business hours, it's just on simplifi's end when reminders (but only the future transaction type) are changed to pending transactions once they hit their original date. It seems that simplifi needs to recalculate the total pending transactions at this time, and it's not doing that.

@SRC54 I changed them now to 12/30 and that fixed it, and then back to 12/31 and it stayed fixed. (I don't know if it would have done the same last night but I suspect yes).

SRC54 · 1:55PM

Thanks for the information. It seems to confirm my suspicion that it is Simplifi's lag in realizing the date change. Perhaps because of Eastern versus Western time zones? Perhaps signing in and out of Simplifi would do it. I also never thought to check out the app since I do things mainly on my Mac.

I tested something out the other day for another user by moving a cleared transaction to Jan 1, 2026 expecting it to go into the Reminder bar. Nope, it disappeared entirely. I couldn't find it anywhere doing searches or going to Bills & Income, etc. It threw my balance off of course, and I figure it would show up on Jan 1. But I changed the date on my Mac to Jan 1, 2026, and there it was. I quickly fixed the date back to the 26 December and corrected my Mac's date. I won't do that again. Since it was a cleared transaction, it was just in limbo.

RobWilk · 2:51PM

If this isn't filed as a bug report officially it should be, this sounds like a definite, fixable bug.

EL1234 · 3:55PM

I haven't seen the issue of future transactions disappearing and not showing as reminders. I use the browser version on windows.

EL1234 · 4:03PM

The midnight issue seems easy to replicate, though, so hopefully it's something that support can fix.

A couple of weeks ago I tried changing the amount on the non-counted transaction and that didn't help, but at least changing the date is a good temporary fix if I want to see an accurate cash flow without waiting until the morning.

Coach Jon · 4:51PM

Hello @EL1234,

Thanks for reaching out! I am glad you were able to resolve the issue with the help of some of the members of the community here. It sounds like from the original post that you entered these transactions manually, correct? If so, please let us know if this happens again the next time you try this, and if it clears up by the morning with the next refresh. If it does not, screenshots showing the issue from your side would be very helpful for troubleshooting purposes.

-Coach Jon

EL1234 · 5:22PM

Hi @Coach Jon yes, the transactions were entered manually. I'll try it out and send you screenshots. Do you want to tell me which screenshots to provide? Or else I'll try and guess.

Thanks!

Coach Jon · 5:40PM

Hello @EL1234,

Thanks for the reply. You would want to show the issue from your side, so in this case, the screenshots would need to show that the transactions are not counting toward the balance as you mentioned. I hope that helps!

-Coach Jon

EL1234 · 5:44PM

Okay, I'll try and get screenshots for before/after midnight so you can see what happens. Thanks!

SRC54 · 8:13PM

https://community.simplifimoney.com/discussion/comment/63205#Comment_63205

This was a cleared transaction, and it is not something anyone would do except me. LOL. I think if it is pending, it wouldn't be a problem.

EL1234 · 9:10PM

Oh interesting! I don't remember trying it with a cleared transaction. Did it come back on the transaction date?

Chase pending transactions - delay in being counted toward balance (edited)

Comments

Categories