I do not believe this is a bug. I believe it is a design flaw which will make it more difficult to change. It feels like Intuit is pushing users away from data entry to streamlined accounting using integrated apps for all transactions. However this does not work always work well and can mean a lot of adjusting to correct or add detail to the downloaded transactions.  Not only is the Account/Category design flaw creating a ton of extra work for users, but novice users will end up adding duplicate accounts to their COA to record transactions.