Re: Community Discussion: I have to say I'm getting weary of all the download problems

On 10/28/2024 9:51 PM, John Pollard wrote:
> 
> https://tinyurl.com/5cu32b7p
> 
> The following comments apply to the posts in the above discussion as of 
> October 28, 2024 @ 10:17 AM.
> 
> Note the lack of information supplied by the posters in the above whine- 
> fest.
> 
> Not a shred of evidence that their complaints are due to Quicken 
> (qw.exe) deficiencies including more frequent releases of Quicken). 
> Quicken (the desktop application) has very little to do with the 
> majority of download problems.
> 
> Not all download problems are the same. there can be many causes; 
> without detailed information it is impossible to attribute cause.
> 
> And there are 4 entities involved in most Quicken downloads:
> - Quicken (qw.exe) - which usually initiates downloads.
> - Quicken servers - which act as "middlemen", transmitting download 
> requests (from qw.exe) upstream, and processing download results coming 
> downstream to Quicken.
> - Intuit services - which do the bulk of the request/download 
> processing, passing Quicken requests upstream to the financial 
> institution and sending financial institution data downstream to Quicken
> - The financial institution - which is 100% responsible for the content/ 
> format of downloaded transactions, balances and holdings (with 1 
> exception - see below)
> 
> The only download type (Connection Method) in which the financial 
> institution is not involved with choosing and formatting the data to be 
> downloaded, is SOME "Express Web Connect" downloads. In those specific 
> cases, Intuit does what's called screen scraping by "reading" the 
> financial institution data as it appears on the FI's web site. This is 
> the download type with the greatest risk of sending incorrect/incomplete 
> data.
> 
> Download type (Connection Method) is chosen by the financial 
> institution, and Express Web Connect is the cheapest download type - 
> hence its widespread use.

One thing the OP does say "...they set your opening balance to something 
random" which is true, and I've mentioned that before. (Although 
"random" might be the wrong word)

Sometimes when you do a 'reset' as she calls it (I believe she is 
talking about the 'DEACTIVATE' online panel followed by the subsequent 
account online set up), Quicken indeed DOES strangely adjust the opening 
balance in the account.  Subsequently, it will offer an Balance 
Adjustment to bring the ending balance up to sync with the online 
current balance.  I've learned to life with that and copy all the 
balances (online, current, and ending) to the side to deal with this by 
manually adjusting things later (like changing the opening balance back 
to the original) and deleting the balance adjustment transaction.

Quicken has acknowledged this (at least for EWC+ accounts, but I seem to 
remember this happens in other types as well) and said they're working 
on a fix in a future release: 
https://www.quicken.com/support/why-did-my-opening-balance-change-after-changing-ewc-quicken-windows/ 
  ("Some users are reporting that this opening balance adjustment causes 
issues when reconciling the account. We are working to make changes in a 
future release to prevent these reconcile issues from arising.")

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Regards -

- Andrew