I appreciate the response.  I have 17 rules, it doesn't seem they are being followed.  However, non of the rules have the categories being suggested.   I never use "Cost of Goods Sold or Purchases and almost every one automatically defaults to those accounts.  Every time I open QBO the default to auto category is back on.   I went ahead and disabled the rules that I did have to see what would happen tomorrow.

Also, why is the payee on imported AMEX transaction auto filling.   Can I turn that off.  It is laughably incorrect.

Thank you!

Kevin