MBNA Card transactions reversed after site change

flying.boy's Avatar

flying.boy

07 Mar, 2019 10:34 AM

Moneydance 2017.8 (1678) Mac OSX HighSierra 10.13.6 Long-time user.

Recently the credit card company did a major redesign of their website. Down loading transactions as either a .csv file or as a .qif now has the Debits/Credits reversed compared with before they changed the site.

I reported this to their Customer Services people who said they would refer it to their Development team. That was 10 days ago and nothing seems to have changed.

Can someone else with access to the MBNA site with their own account please try this to confirm/contradict my experience? If confirmed, perhaps an independent referral to MBNA?

I haven't updated my MD software recently (works, don't fix) so it isn't a MD version issue (probably). Something changed at MBNA.

Thanks
David

  1. Support Staff 1 Posted by Ethan on 07 Mar, 2019 08:53 PM

    Ethan's Avatar

    Hi David,

    That does indeed sound like a problem on their end if it just changed. If you'd like to be sure, you could attach a QIF file here are we could take a closer look at it. Keep in mind these are public forums, so you should make sure it doesn't have any personal data. If you'd prefer, you can also open up another private thread that only our support staff can see.

    Ethan
    Infinite Kind Support

  2. 2 Posted by flying.boy on 07 Mar, 2019 11:11 PM

    flying.boy's Avatar

    Thanks Ethan. I'm attaching 5 files

    1. MBNA -2517.csv
    2. MBNA -2517.qif

    3 MBNA -0925.qif

    The three files above show the 'problem' when importing to MoneyDance

    The two files below show what I think is correct behaviour on import to Moneydance

    4. TescoBank report .csv
    5. TescoBank report .qif

    I'm no expert, and I'm tying myself in knots, trying to figure it all out. What I think I am seeing now is that the 'sign-conventions' in all the files are the same ??? If so my interpretation would be that something in the MBNA formatting has changed and MoneyDance is misinterpreting the 'sign' of the amount.

    There is nothing in any of the files that is 'sensitive'.

    I am so stressed by this problem that I am beginning to doubt my sanity. How could the MBNA tech people get it so wrong, and no other MBNA customers raise the question (It's been live at least 3 weeks)? Very grateful for any help, or reports here from other MBNA / MoneyDance users.

    David

  3. 3 Posted by dwg on 08 Mar, 2019 12:16 AM

    dwg's Avatar

    I'm a fellow user.

    I'm assuming that MBNA is a credit card, based on this assumption In my opinion the MBNA QIF files are wrong.

    Purchases, interest charged should be a negative amount

    Payments should be a positive amount.

    Consider the following extract from one of my credit card downloads, this I consider correct:

    !Type:CCard
    D18/02/19
    T-69.95
    POPTUS BILLING AUTOPAY MACQUARIE PAR
    M4557021153624908
    ^
    D14/02/19
    T-164.80
    PMEDIBANK PHI DEBIT MELBOURNE
    M4557021153624908
    ^
    D07/02/19
    T264.75
    PDIRECT DEBIT PAYMENT
    M4557021153624908
    ^
    D23/01/19
    T-30.00
    P+ANNUAL FEE
    M4557021153624908
    ^

    Purchases and charges are negative and payments are positive.

  4. 4 Posted by flying.boy on 08 Mar, 2019 11:06 AM

    flying.boy's Avatar

    Thanks dwg. Everything I find out convinces me that MBNA are in the wrong. I use another accounting package too, Xero, and I see the same problem with MBNA imports there.

    I'm convinced there is no issue with MoneyDance itself, but it is helpful to know that other people are seeing the same thing with MBNA.

  5. 5 Posted by Gerald Ponting on 17 Mar, 2019 09:10 AM

    Gerald Ponting's Avatar

    Hi. I have only been using Moneydance for a few months and till the March statement I have been able to download my statements from the MBNA website to Moneydance with no problem. However, I cannot find any way to do the download. From the above, it seems that others have achieved the download, then found problems with the format. Please explain how to get an accessible file out of the MBNA statement, then I'll have a look at the other problem. Many thanks

  6. 6 Posted by flying.boy on 17 Mar, 2019 09:20 AM

    flying.boy's Avatar

    Hi Gerald

    Just a quick reply in case you’ve missed the obvious.

    When you are displaying Transactions, there should be a clickable button (green on my screen) at bottom left, labelled “Export”. I know I missed it for a stupidly long time.

    Let me know how you get on, and if I need to look at this harder.

    If you’ve downloaded transactions before, check for yourself if the debits and credits are still reversed. If not, you may be able to help me! If they are, it would move things along if you complained via the online banking telephone helpline 0345 607 2271.

    They gave me a tech issues reference number INC0564307 which may save you some time explaining the issue to some first-line handler.

    Keep me informed, please.
    David


    If it’s not one damned thing after another, it’s the same damned thing again and again and again.

  7. 7 Posted by Gerald Ponting on 17 Mar, 2019 03:31 PM

    Gerald Ponting's Avatar

    Hi David

    Many thanks for your help. I found the Export button below my March
    statement, which offered CSV or QIF files. I chose QIF - but where did
    it export it to? How do I find the file? and how do I get in into
    Moneydance? - it was simple and almost automatic before they changed
    things.

    When I get that far, I'll certainly take up the other problem with MBNA
    if I also find credits and debits swapped.

    Best wishes

    Gerald

  8. Support Staff 8 Posted by Ethan on 17 Mar, 2019 03:49 PM

    Ethan's Avatar

    Hi Gerald,

    That depends on the settings of your web browser. When clicking on a download link, the browser will either ask you where to save it, save it to your default save location without asking (perhaps your Downloads folder?), or try to automatically open the file in an assigned program. If you're not seeing any action after downloading, my guess is that it's being saved to whatever you have set as your default download location. Do you see the QIF file there? If so, you can go to File -> Import from the Moneydance menu bar and select that file.

    If you're still not sure where the download is going, please let us know which web browser and operating system you are using.

    Ethan
    Infinite Kind Support

  9. 9 Posted by -Kevin N. on 17 Mar, 2019 04:28 PM

    -Kevin N.'s Avatar

    Hi David,

    I was able to import the MBNA_5407581341152517_20190307_2248.csv file using Moneydance's built-in importer. (see David_MBNA_Register.jpg)

    To do so, from the Moneydance menu bar, go to File > Import.
    A file browser will open allowing you to navigate to the MBNA...csv file.
    Clicking on the csv file will invoke the importer.
    You can likely accept the defaults on the first screen of the importer but check them over anyway and make sure that the proper account is selected to receive the import.
    On the second screen of the importer, set the field selectors per my screenshot. (see David_MBNA_Importer.jpg)

    HTH -Kevin N. (not a member of MD support)

  10. 10 Posted by Gerald Ponting on 17 Mar, 2019 04:31 PM

    Gerald Ponting's Avatar

    Hi

    No QIF file in Download folder.

    My operating system is Windows 10 and my browser is Firefox.

    I have succeeded in opening the csv version in excel - can I get it from
    Excel to Moneydance ? (I'd hoped Excel would have a 'save as qif'
    finctions.)

    Many thanks for your help. ( Not sure if I will get back to this today)

    Gerald

  11. 11 Posted by flying.boy on 17 Mar, 2019 04:35 PM

    flying.boy's Avatar

    Thank you Kevin

    Your post does not directly address my main issue, but is helpful nonetheless as another forum member was having trouble navigating his folders.

    Your experience seems to be that the polarity is correct. I will investigate whether the site has been corrected, or whether there is a different issue.

    I’ll get back to you.

    David

    If you must choose between two evils, pick the one you’ve never tried before.

  12. 12 Posted by -Kevin N. on 17 Mar, 2019 04:40 PM

    -Kevin N.'s Avatar

    HI David,

    Your experience seems to be that the polarity is correct.

    On the contrary, I think that the signage of the transactions is opposite of what they should be but I set the field selector of the importer to compensate for the erroneous construction of the file.

    -Kevin N. (not a member of MD support)

  13. 13 Posted by -Kevin N. on 17 Mar, 2019 04:43 PM

    -Kevin N.'s Avatar

    Hi Gerard,

    Look to my previous post for instructions on how to import the current version of the MBNA csv file into Moneydance.
    http://help.infinitekind.com/discussions/online-banking/12514-mbna-...

    -Kevin N. (not a member of MD support)

  14. 14 Posted by flying.boy on 17 Mar, 2019 04:45 PM

    flying.boy's Avatar

    Sorry Kevin, your post has confused me.

    I THINK you’re saying that I am right in believing the MBNA website is faulty. And that your .jpg file shows the polarity AFTER you has massaged it.

    If I’ve understood correctly, just HOW did you tweak the text importer??

    Thanks

    David

    If it’s not one damned thing after another, it’s the same damned thing again and again and again.

  15. 15 Posted by -Kevin N. on 17 Mar, 2019 04:51 PM

    -Kevin N.'s Avatar

    Hi David,

    Yes, I agree, you are correct in your summation that the files are constructed improperly by MBNA.

    ...just HOW did you tweak the text importer??

    To compensate for the opposite signage, I changed the field selector from 'Amount' to 'Debit Amount'. Look carefully at the screenshot in my previous post.
    http://help.infinitekind.com/discussions/online-banking/12514-mbna-...

    -Kevin N. (not a member of MD support)

  16. 16 Posted by flying.boy on 17 Mar, 2019 05:23 PM

    flying.boy's Avatar

    Hi Kevin

    Thanks for that.

    1 step forward, 2 steps back …..

    I think my text file importer is different from yours. Nowhere am I offered the option to select “Debit Amount”.

    The extension I use is called Text Importer and is showing as v.103. In case it is relevant I’m on MoneyDance 2017.8 (1678) using MacOS 10.13.6 (High Sierra).

    Have I misunderstood something, or is there an upgrade to Text Importer?

    Getting there ….

    David


    Tiny Toes Hertford Ltd, 41 Chambers Street, Hertford, SG14 1PL
    T: 01992 589020 www.tinytoeshertford.co.uk [email blocked]
    Registered in England & Wales No: 10876848. Registered office: Wilson Devenish (Accountants), The Maltings, Railway Place, Hertford, SG13 7JT.

  17. 17 Posted by -Kevin N. on 17 Mar, 2019 05:35 PM

    -Kevin N.'s Avatar

    Hi David,

    You are using a slightly older build of MD 2017. The current build is MD 2017.10 (1706)

    Provided that you DID NOT purchase Moneydance through the Apple Store, then you can download MD 2017.10 (1706) here:
    http://infinitekind.com/download_2017

    As for the import, although the interface of Moneydance's built-in importer and the interface of the Text Importer are similar, they are different.

    Follow the instructions from my previous post to use the built-in importer. Do not use the Text importer extension.
    http://help.infinitekind.com/discussions/online-banking/12514-mbna-...

    -Kevin N. (not a member of MD support)

  18. 18 Posted by flying.boy on 17 Mar, 2019 05:50 PM

    flying.boy's Avatar

    That’s grand advice, Kevin. (Try to imagine an Irish accent!)

    I used the built-in importer and all was as you described. I now have a simple work-around while the MBNA fiasco persists.

    I’m resisting any major (or minor) upgrades to key software at present, while I’m preparing end-of-year accounts. When things are less time-critical I’ll revisit that.

    Thanks again for the massive help, and your patience.

    David

  19. 19 Posted by -Kevin N. on 17 Mar, 2019 05:55 PM

    -Kevin N.'s Avatar

    HI David,

    Excellent! You're welcome. I'm glad to hear that you were able to get this sorted.

    Thank you for reporting back with your results.

    Yours is sage advise not to make any drastic changes when important work prevails.

    -Kevin N. (not a member of MD support)

  20. 20 Posted by Gerald Ponting on 17 Mar, 2019 07:07 PM

    Gerald Ponting's Avatar

    In response to Kevin - post 9 - I followed your advice exactly re use of the importer ... and the statement did not appear in Moneydance.
    Gerald

  21. 21 Posted by -Kevin N. on 17 Mar, 2019 07:29 PM

    -Kevin N.'s Avatar

    Hi Gerald,

    Can you confirm that you selected the proper account to receive the import? This would be done on the first screen of the built-in importer.

    If you still can not get the csv file imported into Moneydance, please attach a sample of the csv file so that I can give it a whirl.

    Keep in mind that these are public forums. Make sure that there is no sensitive data in the file before attaching it.

    -Kevin N. (not a member of MD support)

  22. 22 Posted by Gerald Ponting on 17 Mar, 2019 08:28 PM

    Gerald Ponting's Avatar

    Hi - I've lost your most recent message - please send again and I will
    deal with it tomorrow

    Thanks - Gerald

  23. 23 Posted by -Kevin N. on 17 Mar, 2019 09:02 PM

    -Kevin N.'s Avatar

    Hi Gerald,

    You can return to the forum to view any and all messages on this thread.
    http://help.infinitekind.com/discussions/online-banking/12514-mbna-...

    -Kevin N. (not a member of MD support)

  24. 24 Posted by Gerald Ponting on 18 Mar, 2019 08:51 AM

    Gerald Ponting's Avatar

    Hi

    The MBNA site has changed since last night - I just exported a QIF file
    into Moneydance with no problem

    Gerald

  25. 25 Posted by flying.boy on 18 Mar, 2019 10:27 AM

    flying.boy's Avatar

    That’s odd. I just tried it and the problem is still there,

    (I used the .qif option)

    I’ll retry now with .csv

    Yup, the problem is still there with .csv files too.

    I wonder if they only applied the fix on new transactions? What was your take on that?

    “You couldn’t make it up!” What a fiasco.

    David


    Success consists of going from failure to failure without loss of enthusiasm.

  26. 26 Posted by Gerald Ponting on 18 Mar, 2019 11:32 AM

    Gerald Ponting's Avatar

    No idea !  There was no offer of 'export to QIF' yesterday.

    This morning I was able to export as a QIF file and I was offered 'save'
    or 'open with Moneydance' - and this worked.

    But some, not all, of the debits were in the credit column !

    I will not need to use it for another month, hoping they will have it
    sorted by then !

    Gerald

  27. 27 Posted by flying.boy on 18 Mar, 2019 11:43 AM

    flying.boy's Avatar

    Was there any pattern (eg by date) for the good and bad transactions?

    Please keep an watching interest in this, as you are the only independent evidence tester I’ve found!

    David

    It may be that my sole purpose in life is to serve as a warning to others.

  28. 28 Posted by Gerald Ponting on 18 Mar, 2019 11:53 AM

    Gerald Ponting's Avatar

    Did not notice a pattern and I've swapped them now - Gerald

  29. 29 Posted by flying.boy on 19 Mar, 2019 07:05 PM

    flying.boy's Avatar

    I was able to track down the official word on QIF file formats. If you use Wikipedia to search for "Quicken Interchange Format" you'll see a comprehensive definition of the formats expected. Section 2.2 Detail Items lists various code letters, the meaning of the entries with that code letter, and a specification of allowable formats.

    Code letter T; Description Amount of the item.
      For payments a leading minus is required.
      For deposits either no sign or a plus sign is accepted.

    I have passed this discovery to the various deniers within the technical support teams at MBNA and I await their response.

    David

  30. 30 Posted by Jagnut_1961 on 23 Mar, 2019 08:14 AM

    Jagnut_1961's Avatar

    Thank you flying.boy ..My MBNA transactions are reversed when the qif file is directly imported into Microsoft Money from MBNA, My solution was...I saved and edited the qif file in Notepad++ simply by adding a - between T and the transaction amount I saved the new file and imported into Microsoft Money all is ok for now until MBNA decide they have a problem and sort it out

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