Hello hugob,

I appreciate you for running some troubleshooting steps to resolve this issue.

Since the system keep applying for the credits even after turning it Off, I'd recommend reaching out to our Phone Support team. This way, they can take a look at your account further and open an investigation about this matter.

You can contact them through the ? Help icon. Then, you may enter The system keep applying for the credits even after turning it Off as your keywords.

Once everything's good, you can check these articles for more guidance on how to process refunds and vendor credits in QuickBooks:

• View vendor transactions
• Creating and managing credits from your vendors in QuickBooks.
•  Enter a refund from a vendor

You can always get back to this thread if you have additional or different concerns. I can always lend a hand!