How can I control payments with banks bill pay and have Quicken ONLY download completed bank transaction, not pending ones?

I am running QD 2012 R 7 (21.1.7.18) on WIndows 7
until last week I have been controlling all payments by logging on to my bank's website and using their online payment capability. Quicken One Step Update would download transactions that the bank reported as paid or received. Pending or future transaction were not downloaded. I never made any entry in quicken to update payments to be made from the bank because I did not want the two systems to interact. (I had a VERY bad experience with that several years ago in an earlier version of Quicken.)
Last week, a change occurred and to my knowledge I made no changes at all to cause this. Quicken began downloading pending transactions from the bank even months in advance and showing then in the register. If I try to delete one  I get a message about going to edti menu, transaction, cancel, etc. I am afraid to do this because it might cause Quicken to tell the bank to cancel the payment, which I don't want.
If I try to enter a transaction manually, (e.g. today, Jan 30 I was manually entering a transaction  for Jan 7 that had been omitted.) Quicken tells me it's too late to make that payment, and changes the date to next week. (Although the payment has been made and for unknown reasons was not downloaded.) I have tried fooling it by entering a future transaction and changing the date, and by changing the type of transaction (EFT, etc.) even creating a new type (none) in hopes this might persuade Quicken to let me enter my own transaction. No success. I have also tried changing the transaction post date, with no apparent effect.
I have also gone into the online reminder, schedule, etc. to see about deleting transactions and stopping the generation of reminders and new transactions by Quicken but a) it is a very laborious process, requiring several separate steps for each individual transaction and b) again I am never sure when I will accidentally trigger a message to the bank that cancels a payment..
Not having any idea how I caused this, or even what the function is called, I have not been able to glean much from the community posting or the help documentation.
Can anybody tell me what I should do to get back to my simple life where I am deciding when to make payments and entering transactions  the way I want them to be, rather than having Quicken hijack these basic functions and conduct them by its own set of unknown rules? I fear I am in the nightmare I had a few years ago, where Quicken and the bank system were in a death spiral with each passing information to the other and acting on it, and Quicken both authorizing and cancelling payments independent of my intent.

Answer

2 people found this helpful

oenwalt - Carolina Scotty  is not using Quicken Bill Pay, but is using Bank of America Bill Pay.  BofA does transmit the future, unposted/pending online payments for the recurring payments scheduled for the next 30 days.  I have reviewed logs provided to me by CScotty, and found that BofA did transmit 1 payment outside that 30 day period and have escalated that information to their OFX team.  I have not yet received any status update from them, and will be notifying CScotty separately when we get an answer from BofA.

Quicken did not push any update that would cause any bill pay service to suddenly download all future instances of pending, recurring scheduled payments. Any information to the contrary from Quicken Support must be addressed as a coaching opportunity for the individual agent(s). In the case where the agent advised CScotty that we were diligently working on this problem, that agent was referring to the server outage with Bank of America and has been coached on how to tell the difference between a connectivity problem and a specific transaction problem.

Without reviewing your logs, there would be no way of knowing what transpired to cause you to see this behavior in your file. If you have already provided those to Quicken Support, I can review them for you (as I did for CScotty) and advise you on what is occurring; I would need your Incident # in order to retrieve those logs.  The Incident ID will be the date followed by a 6 digit number (ex: 130212-000123).  If you have not yet contacted Quicken Support, please do so and we can better determine what is being transmitted to your file.
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