Merrill Lynch Download Problem
I have been using Moneydance+ for a while now to download transactions from Merrill Lynch with good success. About a week ago, the download resulted in four downloads of each transaction. I then Confirm one and delete the other three. Are there any suggestions on how to solve this problem?
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1 Posted by Joe_H on 04 Feb, 2026 05:52 PM
Same issue here. I've had to start setting the transaction values to zero to prevent them to keep downloading. I've been putting "Dummy Transaction" in the memo field so I can easily identify them and delete once there's a fix. There seems to be a different level of issues depending on the account type.
I've checked the raw details on the duplicate transactions, and each has a unique "0.id" field, so I assume that's an issue with either ML or Plaid.
Regardless, my ML accounts are a confusing mess.
2 Posted by cookie87 on 06 Feb, 2026 09:30 PM
Plaid and Merrill Lynch rate an "D" in my book - I get 3 transactions for every one, and then i clean them up, then the next download they all come back again. Also, the security field isn't correctly filled - everything defaults to USD. I'm about at my wits end with MD, to be honest.
3 Posted by cookie87 on 01 Mar, 2026 01:55 PM
Hey Money Dance team are you paying attention? The problems with Plaid and Merrill Lynch are crazy. Multiple copies of the same transaction download over and over again; security names are often missing or wrong. Help! I'm close to giving up on you.
4 Posted by dwg on 01 Mar, 2026 08:23 PM
So ML/Plaid are providing multiple transactions to Moneydance. yet it is Moneydance that should somehow be able to "fix" this. The software can only deal with what it is given.
5 Posted by cookie87 on 02 Mar, 2026 02:26 AM
Well to be honest, since we MD users subscribe to Plaid through MDPlus, I do expect Money Dance to at least comment and give advice on how we can influence a better answer. MD should be interested in advocating for their users so that we have a good experience.
6 Posted by dwg on 02 Mar, 2026 02:58 AM
I agree that TiK staff should be far more responsive, in fact I believe they should respond to every topic, even if just to say they agree with the advice already given, they are often far too silent in my opinion.
They should certainly escalate Moneydance+ issues that involve downloaded data that occur to Plaid and follow up on them.
From what has been said in the past I do not think TiK are overly happy with Plaid but as a UK based company I think they are limited in who will engage with them.
7 Posted by Joe_H on 02 Mar, 2026 02:59 AM
Please correct me if I misunderstand the way this works, but doesn't IK have the financial relationship with Plaid (Since we're paying IK for MD+), and therefore IK are the ones that need to intercede on IK's customers' behalf? As individual users, who else are we supposed to report the issues to? I don't see anything on Plaid's site about individual users being able to submit tickets. Everything needs to be done via login. I too am disappointed that there has been no response from IK. If there's somewhere else we need to report this or something we users need to do, please let us know so we can do it and try to get this addressed. We're already at a month old on this thread with zero response or action.
For me, things have gotten slightly better, but I still get a number of instances of multiple transactions on different ML account types. If you haven't found your own workaround to minimize the affects of this, here's what I'm doing:
- Process one of the transactions as you normally would
- For every other duplicate transaction, edit it and set Shares (if applicable) to zero and the Amount to zero (You can't just delete the transaction, or it''ll come right back on next download)
- Put something unique in the memo field so you can later identify these duplicate transactions
- Confirm the transaction so it doesn't look like you have further actions on them until the next step
- After a certain amount of time (no recommendation on that, but maybe a week?), Search the Register for your unique identifier from the previous bullet and then delete the dummy transactions, but leave the newest ones there until they exceed your time window