I didn't read ALL of this thread because it sometimes goes around in circles with QB staff providing answers to questions not asked.

It was clarified to me that CREDITS on accounts do not mean a credit memo exists. And as said early, the credit does not show up on the customer transaction listing. The only place I see it is in the credits popup when you're in the receive payments window.

I dunno, I'll bookmark this and try to decipher some sort of reliable, sensible workaround described herein.