Missed Online Payment

May 11, 2007 8 Replies
A

In q2007 H&B, I use my bank to do online bill payments. On one payment this month, I noticed that while there is an entry in the check register, there is no check number and no "Yellow Lightning Bolt". Some how this either (1) didn't get transmitted to the bank or (2) it was transmitted to the bank but the bank didn't record it. As this was a credit card, I'm now stuck with a finance charge.



When I check Payment Status, it is not listed at all.



Question: When is the check number assigned? Is this on the date the check is due to be paid or some number of days before the check is due to be paid? I'm trying to figure out a way to monitor this process so I can recognize a problem in advance.



This is the first time in seven years using Quicken and my bank that I have had this problem


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S

I'll bet you entered the transaction manually in the register. But you forgot to enter "SEND" in the check number column. So, it never got sent and thus, never got a check number. My opinion is that Quicken should at least question this situation.

Arnie Goetchius wrote:

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S

I've given up on scheduled transactions because of these sort of problems. The "schedule" is for when a copy of the prototype transaction gets entered in the register(s), without considering whether it makes sense or not.

Arnie Goetchius wrote:

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J

My guess is that if there was a record of your transaction, it would be in the OFXlog file. But that file doesn't hold much data, and even between it and OFXold (where transactions go when OFXlog gets full), I'm not sure whether your transaction would still be available.

You can access the OFXlog files in Quicken via Help > Product and Customer Support > OFXlog. Ideally, you would probably save the OFXlog to a text file (Quicken lets you do that) where you can view it at leisure (and do some minor formatting to make it easier to read). The OFX data is basically HTML.

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A

Thanks for the info. Unfortunately, neither OFXlog or OFXold go back far enough ie

4/27/2007. What I would expect to see under a normal transaction is the amount of the transaction and the name of the payee that was sent to the bank. Following that, there would be another similar transaction but this time showing CHECKNUM. Next time I SEND a transaction to the bank for payment to a PAYEE, I'll save the OXFlog to a separate file to see how it works.

I guess I should have been alert to the fact that the transaction was added to my check register but a CHECKNUM was never assigned by the bank.

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A

Having been using Quicken and doing 100% of my bill payments as online payments for some 12 years I'm sorry you've seen "these sort of problems" but I've never seen "these sorts of problems" except when I have specifically caused them myself (rare) as described below. YMMV.

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A

Here's what really happened. Using q2007. When I clicked on "Enter", it showed the "payment" instead of "online payment". I didn't pay any attention and continued with the transaction. It was now entered in the register with no check number.

This month I noticed the "payment" option and changed it to "online payment". Now when I continued, I got a "Pay" icon. When I click on "Pay", the transaction was sent to the bank and I immediately received a check number.

Bottom l> I'll bet you entered the transaction manually in the register. But you

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