Help me figure out why my balances are off.

[Frügal]

I would really appreciate some help here. I have set up automatic payments for all the cards that we use. We never carry a balance. But it is leading to some issues with reconciling. Here we go.

Chase Freedom account. I have attached two images.
One is a snapshot of our Chase Freedom account as viewed online.
The other is a of our budgeting app, YNAB 4.

Here is what is going on:
As you can see, YNAB wasn't correct on the amount owed when I last made a payment on the 10th of this month. So I noted that in the description. It was off by $53.61. I never could figure that out.
Now, again, it is off. This time, however, the balance shown in YNAB is $391.08. Balance shown on Chase web site is $408.38 (add pending and current). However, if I add up all the uncleared transactions in YNAB, the balance should be $397.07. This is $11.31 off from what I see on the web site. There is a transaction for $11.31, but that is shown on both ledgers.

What is going on here?
What do I do? Stop using the card until everything clears, bite the bullet and not understand what happened, and pay the bill to start from scratch?

I think I am going to disable automatic payments altogether...

edit: Interestingly, I do not see the attachments being applied. Here they are:
One
Two

[kork13]

Personally, I wouldn't worry about it. I also have automatic payments for my credit cards (full statement balance pid on the due date). Do you check your credit card statements each month for accuracy? As long as that checks out, you're fine. Part of the problem is that you're trying to make two totally separate accounting systems match up penny-for-penny. New transactions are always rolling in, so that will always create a disparity between the two systems. As long as you don't find errors in your monthly statements, I wouldn't be terribly concerned about the intra-cycle differences.

[Wino]

Don't go by YNAB. Use the statement and your receipts. Why add another layer of uncertainty? As the amount is not recurring, use electronic drafts that you write each month. My guess is that since you had a balance, there was a fee based on your average daily balance (interest), not on the amount of the balance. I could be wrong, as I cannot read your attachments on my screen (or with my eyes). Use a debit account, not a debt card.

[kork13]

My guess is that since you had a balance, there was a fee based on your average daily balance (interest), not on the amount of the balance. I could be wrong, as I cannot read your attachments on my screen (or with my eyes). Use a debit account, not a debt card.

I think you're a bit mistaken... Having an end-of-month balance doesn't matter, as long as you pay the statement balance in full by the due date. If you do that, you get the grace period of no interest on new purchases during your next statement period. I always have a statement balance between $300-$800/mo, pay it in full every month, and never pay a cent in interest or fees.

[tulog]

The reason it is off it is because before a transaction is posted, it is pending, and there was a delay in removal of the pending amounts after one or more transaction(s) were posted.

[feh]

Don't go by YNAB. Use the statement and your receipts.

I agree. No reason to complicate things - your CC statement is the information source you need to look at.