Downloading Statement enters Duplicate Transactions--Need Advise...

Why would MS Money NOT match downloaded transactions with already
entered transactions????

I have been creating my own QIF download from BOA every few days to
download into MO7. I create my QIF in Excel by copying and pasting from
the BOA website and I import it into MO7 as a regular statement. This
works great ....that is until I download the end of the month statement
from BOA.

When I download THEIR statement, MS Money does not MATCH the
transactions. Therefore I end up having two of every transaction
(except the ones that were entered from Bills Paid). Since this month I
had 155 transactions, I am looking at a good hour or two of work.

This means I cannot simply accept the transaction. I have to click the
CHANGE button, click "Match this transaction to an item in my register"
and scroll to find & check the transaction which is a different date
(one date is the posted date and one is the transaction date), click
DONE and THEN I can click ACCEPT.

Does ANYONE have any ideas on why the transactions I enter with my own
QIF file are not recognized when I download my bank statement into MO7?

I don't know that much about QIF files, so maybe there is something I
am not understanding about how QIF files are matched. Any thoughts
welcome.

Thanks,
Anna