Thank you for the response and the additional details.
I would recommend signing out and signing back into the Quicken program. To do this, please follow the steps below.
Go to Edit > Preferences > Quicken ID & Cloud Accounts
Click sign in as a different user
Type "yes" to sign out
Sign back in using your existing Quicken ID
Once this has been completed, please attempt to update once more and let us know the results.
down loaded transtions aren't visible and i can't reconcile accounts