Bank of America balance
Found at:
The op believes the problem began with the op's most recent Quicken update - but the op does not specify exactly what release that is.
In an attempt to overdramatize the problem, the op states that the problem makes Quicken, "almost unusable as I have a lot of transactions and the reconcile is completely useless as is."
That's a bogus claim as there is no necessity to reconcile using the online balance: reconciling to a printed statement is just as effective, and does not require ANY online balance, much less an accurate online balance.
Later, when asked by a Moderator if he had "recently restored a backup"; the op answered a question that was not asked, by saying he had "no recent backups". The Moderator's question referred to whether a backup had been restored (past tense - meaning previously), and I believe was intended to see whether a previous "restore" might have been involved in the op's problem. It has been reported that restoring a backup can cause problems.
I have checking, savings, and credit card accounts at BofA; those accounts normally download using Direct Connect. My "online balance for those Direct Connect accounts is correct. Using Q2020 R37.25)
I have a separate TEST file which contains only BofA accounts, and I have setup those accounts to download using Express Web Connect. When I download from BofA using Express Web Connect, I get the exact same, correct, online balances that I get in my file that uses Direct Connect for BofA. Test file uses Q2020 R37.37.
The op is far too concerned with wanting Quicken to be the cause of the discrepancy, and not concerned enough about treating the issue as a problem to be solved. And Quicken moderators are, as usual, very little help. The op has not taken enough steps to try to isolate (and possibly solve) the problem to be using "Report a Problem".
It may turn out that there is some software problem (which could be with either Intuit or Quicken); but I believe a software problem caused by Quicken (for this issue) is extremely unlikely. Quicken plays no role in selecting, formatting or sending downloaded data. Intuit is the one who captures the EWC data and sends it to Quicken.
And since I am currently not seeing any problem with the downloaded BofA "online balance" (using either DC or EWC), I believe the problem lies somewhere on the op's computer.
I think the first thing the Quicken Moderators should have done was to have the op create a New TEST file with one, or more, of the problem BofA accounts and download to that New TEST file. If the problem did not appear in the New TEST file, that would virtually confirm a problem with the op's existing Quicken (.QDF) file. Deactivating (ALL) BofA accounts in the Quicken file experiencing the problem, then re-activating them (using the Add Account process), would have been the next step. I think it's possible that might have corrected the problem - it certainly could not hurt.
If the problem was still not identified, or fixed, I think an exploration of the possibility that the op's cloud data could be involved might have been in order. If so, resetting (or possibly, deleting) the Cloud data might have helped.