Credit Card Payment Amount does not match balance of account

I just noticed a couple of days ago that the payment amount showing for my credit card is $114.90 and the balance according to the register for the account is $128.70.  These figures have always matched until a few days ago.  I've looked everywhere to see why this difference would exist.  Anyone have any idea why this doesn't match all of a sudden.  

My account is reconciled through today with no missing transactions.  Any assistance would be appreciated.

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  • When this happens to me it’s either:

    1. Overbudget on a category paid with the credit card (make sure to check prior month in case something got booked late), or

    2. Purchased a gift card with my credit card, which then has to be manually budgeted.

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  • Yes, I've checked the prior months with nothing over budget.  I haven't purchased any gift cards either so I'm completely stumped on this $14.61 difference.

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      • MadDog
      • Navy_Blue_Pegasus.2
      • 1 mth ago
      • Reported - view

      jwehrer do you have any hidden categories? Sometimes things are in there that get missed. 

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  • There's a bunch of things that can cause this to happen. Sometimes you just have to fix it.

    Possible Credit Card Sync Issues

    • starting balance on a paid-in-full card - category is lower
    • overspending - category is lower
    • uncategorized transactions - category is lower
    • outgoing transfers to other on-budget accounts (e.g., gift card account, immediate reimbursements) - category is lower
    • purchase/cash-back rewards (should be categorized to TBB) - category is higher
    • categorizing item returns as TBB (should use the original spending category instead) - category is higher
    • reconciliation adjustment - category is lower for an outflow adjustment, higher for an inflow adjustment
    • taking the account balance positive - category should be $0 in this case
    • erroneous budget entry - accidents or misunderstandings occasionally happen.
    • overspending a category with purchases on 2 different credit cards followed by a return. YNAB doesn't always return the no longer overspent amount to the right card.
    Like 2
      • tekgy
      • Neuroscience & Technology
      • tekgy
      • 1 mth ago
      • 1
      • Reported - view

      👏🏻👏🏻👏🏻 This was comprehensive and awesome, Superbone !

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 1 mth ago
      • 3
      • Reported - view

      tekgy That just comes from years of being on this forum and seeing the same issues come up time and again and saving off the list of causes posted by others. It's almost like I work here. 🙂

      Like 3
  • Thanks for the suggestions and insights.  I'll start looking at hidden categories and proceed from there.

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  • Well, unhid all my hidden categories and went back to Nov of 2019 (the month I began using the new YNAB).  Looked at every single month and not a single overspend in any category (hidden or not).  It just bugs the crap out of me that I'm all of a sudden $14.61 off.  It's too bad that YNAB doesn't give you any indication as to where the problem stems from.  Every transaction has a category and all transactions are reconciled to the penny.  Just poof!  all of sudden I'm $14.61 off.  I hate "fixing" something when it comes to accounting because there's a problem somewhere that is causing this discrepancy and if you band-aid it, it becomes a perpetual headache.

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    • jwehrer My guess is you had a positive balance at some point. Try turning on your running balance?

      Did you go through the list Superbone shared? I guarantee it's one of those issues.

      Hidden categories/uncategorized transactions are a small possibility in relation to those other accounting possibilities.

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    • jwehrer I suspect the same as Move Light: it sounds like you pay in full, which makes a positive balance at some point likely. That said, if you can't find the issue, know you can enable Support Access for your account so we can look at your budget and we'll help you find the discrepancy. You can reach out to our support team right from your budget. :)

      Like 1
      • jwehrer
      • jwehrer
      • 1 mth ago
      • Reported - view

      Dela but even if I somehow had a positive balance on the card at some point, doesn't that work itself out anyway?  

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      • jwehrer
      • jwehrer
      • 1 mth ago
      • Reported - view

      Dela I will take you up on the support access when I have time to spend on this in the next couple of days.

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    • jwehrer agree. A positive balance shouldn't impact this.

      Like
    • CPA Budgeter It totally could. Often, the mechanics of YNAB place the positive amount of the card in RTA while that same amount is overspent in the CC payment category. If the OP didn't realize this happened, the money that should have just gone back to the card category could have been assigned elsewhere. 

      Poof, PIF gone!

      Like 1
    • Move Light Sound Life 🤯

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    • CPA Budgeter https://support.youneedabudget.com/t/m2s6zw/funny-fifteen-cents

      That's my version of your emoji.

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  • Did you by any chance recently dispute a transaction on your card? This throws the reconciliation off because they often issue you a temporary credit that only impacts your balance, without actually giving you the line item credit until the dispute is resolved.

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  • Can you please clarify if the discrepancy is between YNAB and the bank or within YNAB (i.e. between budget and register)?

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  • Within YNAB.  The discrepancy is that the balance on my credit card is $14.61 higher than what the payment due indicates.  It's always matched before.

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    • jwehrer thanks for clarifying. This has happened to me twice in 10 years and I wasn't able to find it but support was able to quickly find it by contacting them and allowing them access to the budget. I'm with you. Never give up until you find the error. LOL

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    • jwehrer Let us know how it's going today, and if you're up for enabling support access! I'm sure we can get to the bottom of this.

      Like
      • jwehrer
      • jwehrer
      • 4 wk ago
      • Reported - view

      Rachel okay, it's been a busy couple of weeks but I finally have some time to work on this again.  I'm going in to enable support access now.

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    • jwehrer Just sent you an email! 

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  • jwehrer Please do let us know what the issue was when you find out! :)

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      • jwehrer
      • jwehrer
      • 4 wk ago
      • 2
      • Reported - view

      amazingpitbull Ok, finally got it resolved with great help from Rachel (YNAB Support).  She found the issue and actually sent a video of what she did to find it and explain how it happened.  Kudos to Rachel, by the way.

       

      So it's just as @Moon Light Sound Life said.  Back in April I had paid $14.61 more on the credit card than what was due (according to YNAB's register).  That sent the $14.61 to "Ready to Assign".  So I just budgeted the $14.61 back to the credit card category and all is good now.

      Like 2
    • jwehrer Thank you so much for the update! I'm just starting out and every bit of info helps me try to figure out what the heck is happening all the time!  :)

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  • I definitely will report back what we find out.

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