@susanzuca  Most likely, when the transactions were uploaded, the ACH were classed as debit card payments by QB.

The issue is that debit card payments do fall under the 1099-K umbrella.

For instance, in QB Desktop, if you were to put 'Debit' in the check number field, it would automatically exclude the transaction from the 1099-NEC or 1099-MISC.

I don't know exactly what the QBO equivalent would be, but I'm certain that there is some way to flag particular Expenses by payment type for this very reason.

A good first step would be to check exactly how these ACH transactions for the problem vendors were finalized after the upload.