I don't know exactly how you differentiate between bank details, and bank description.  To be clear, the text received directly from the bank is shown in my original message.  What is displayed in QBO as bank details is changed by the time QBO displays it.  This is also shown in my original message.  I hope this clarifies.  If it is not clear to you, please clarify exactly what is meant by "bank details" as distinct from "bank description".  I thought I laid this out pretty clearly in my message.

  The text as delivered by the bank (partially redacted, only showing the last 4 digits of the pertinent account) is changed when QBO displays the text.  This text is the same, whether listed as "Description" or "Memo" in the Banking "Review Transaction" dialog.

  I wish for the QBO redactions to stop, and I can find no setting that allows me to stop it.  I think the redaction ALREADY provided by the bank is sufficient to protect customer data from casual inspection.  And still allows me to efficiently perform MY task, which is to classify and record the transactions in the proper accounts.

(Edited to add the specific bank involved): The bank is Chase Bank, and it affects all my Chase bank clients.  For more details, (obviously), you can initiate a tech support session.