Hey Chimney Top,
I think Chuck has identified and summed up the issue there, but I should mabey add...
that to playback in stereo rather than summed mono on your DAW (if it's showing two separate tracks), you'll need to pan the tracks left and right. I'm a Mac user myself although on ProTools at the moment and the system will often just load stereo files as dual mono which then need to be panned for playback...
I think you touched on that already, but I just thought I'd mention it...
JimP