I have been using Quicken since it was a DOS program. My last stand alone version was 2017. I never had problems with downloads. I have had problems with my bank downloads (5th/3rd) which took many hours with Quicken support to get working, and now I have a problem with two CitiBank credit cards which have not updated since early April. For over 20 years Quicken worked without an error and since my subscription began I put more work into correcting errors and failures than in those 20 years! In a recent download today I had a credit card purchase entered into a bank account checking register, a credit card payment with my bank checking as the category but somehow it did not enter into that bank register? When my issue with CITI bank began I backed up my file, deleted Quicken and downloaded a fresh install. It still didn't work which indicates the files I save have error coding or Quicken servers are to blame. I am near the end of my relationship and thinking strongly of going to paper registers for my bank accounts and dealing with credit cards as statements are issued. Does anyone know why these things continue to plague Quicken?