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This happens to me as well.  When I reconcile my account, I download the transactions (from Citibank) into Quicken and most of the time I am missing one.  It's so strange.  It's happened so often now though that I have come to expect it.  And I usually can find what it is (in Citibank) by looking at my account, the missing transaction is usually from the begging of the period.  

 

The only reason that I would know that there is a missing transaction is because I do a manual reconciliation...

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