I have had several Accounts stop downloading transactions - all using one or the other versions of EWC - without indicating any errors. Sometimes resetting the Account works, sometimes not. One thing that I found did work with my latest struggle with my wife's Schwab Accounts was to sign in as a different user and I have absolutely no idea what that does to fix things.
"Sign in as a different user" is now part of the script used by Mods for users' experiencing this problem and it doesn't appear to be "token" related as the Accounts mentioned in users' posts include both "flavors" of EWC, and I've seen posts reporting signing is as a different user has worked with non-EWC+ Accounts. So, I'm guessing it has something to do with either the EWC collection method(s) or "syncing."
Does anybody have any ideas as to what’s going on here?