I have been suffering from connection issues for the past two weeks to Citi credit cards, and it just occurred to me this morning that my issues all started when I was prompted to change my password (by Citi).
I assumed it started because I hadn't updated my password in Quicken yet, however today I tried changing my password again at Citi's website, but I made the password much shorter and simpler. My connection now works and is downloading correctly. I'm not sure if a specific special character (which is accepted by Citi), the overall length, or the combination of both is the root cause, but it appears that Quicken is not able to correctly communicate with Citi if the password is "maxed-out" on character types and length.
For reference, Citi's guidelines are as follows:
Password Guidelines
At least 1 number
At least 1 uppercase letter
At least 1 lowercase letter
Between 8-64 characters
At least 1 special characters: ~ ` ! @ # $ % ^ & * ( ) _ - \ / |
Password Restrictions
No Spaces
Different from your User ID
No digital images or icons
No more than 2 consecutive identical characters