Hello @JohnA123
Thank you for reaching out to the Community regarding your issue, although I am sorry to hear that you are experiencing issues with your direct connect accounts. Have you taken a look at the 295 article just yet? I believe you have but there are also additional steps in the bottom that may help as well since it's an issue specifically with your file I believe. I'll leave the link down below for the article.
https://www.quicken.com/support/error-when-using-online-services-ol-297
Once you get a chance to try these steps, please let us know what you find. From there we'll better understand our next steps/options.
Thanks,
Quicken Francisco