I have a similar problem, but it's not with the rules (which I have lots of) - it's that QBO does a woefully poor job at automatically assigning a payee or account to transactions that are not governed by rules.  It often simply uses whatever payee was most recently used, and fills in the next 10 or so transactions with that payee!

I do appreciate the rules function, and it streamlines things nicely.  But why can't QBO leave the transactions alone that aren't involved with rules?  Whatever efficiency is gained by rules is negated by the distractions created by false matches.