Not too long ago Chase quit using the Direct Connect method of downloading into Quicken in favor of Express Web Connect+. EWC+ doesn't involve sending your login ID and Password to Chase, but instead a “token” is created that the aggregator (Intuit) uses to log into your account. These tokens are supposed to expire from time to time, requiring that you re-authorize the downloading process. One of your tokens might have expired, and that process seems to happen “silently” with no notice, at least it did for me. Try Resetting the Accounts to see if that gets downloading working again.