Neal, you've done nothing wrong.  It has nothing to do with you being "far from an accounting specialist."  I've had this problem for over a year, and I'm a ProAdvisor Advanced.  This is a poor design in programming by the QBO team, and the Support staff doesn't understand that QBO's instructions are incorrect.

     Even the system itself gives incorrect information.  QBO tells me my customer disputed a charge, when in fact it was the bank that rejected it because they say there is no such routing number as the customer entered in the payment.

     QBO Payments should be designed so that this could never happen.  I.e., if an unknown routing number is entered, the payment should never go through in the first place.

Mark McCraw, CPA