Hello, micah5.  

Thanks for joining us here in the Community. It could be that rules are created. We can turn off the Auto-add feature to stop suggesting wrong payee when categorizing your bank transactions. Let me guide you how: 

1. Click the Banking menu and go to the Rules tab.
2. Find the rule that you want the Auto-add feature to get rid of and click on the Edit link below the Actions column.
3. On the Edit rule window that appears, scroll down and click the button under the Automatically confirm transactions this rule applies to option.
4.  Click on Save once you're done. 

For more details about bank rules, see this article: How to Set and Use Banking Rules for Downloaded Transactions.

I'll be attaching these articles that will guide you in categorizing transactions and the reconciliation process: 

• Categorize and match online bank transactions in QuickBooks Online
• Reconcile an account in QuickBooks Online.

Should you need anything else, don't hesitate to leave a comment below. I'm always around to help you out. Stay safe!