Don't use any of these characters: * ? < > | " : \ / (asterisk, question mark, left and right-angle bracket, pipe, straight quotation marks, colon, BACKSLASH, FORWARD SLASH). Also, don't add the .qdf extension; Quicken does that for you.
After adding accounts, see if you are experiencing the same problems in this test file.
I waited until today to answer because I created the account yesterday, and Quicken downloaded all the transactions back one year. However, I wanted to see if it would download transactions today so it would be more like an ongoing account. I checked the account to make sure there were new transactions, and there were, but Quicken did not download them today.