When downloading Banking transactions, with latest release, all Payee fields contain ???, all Category fields contain Misc. This is for all checking & credit cards. Investment downloads are okey. What happened?
Have you checked your Renaming Rules to see if there's a bad rule, Payee = "???", that inserted itself there? If so, delete this rule. Also check your Memorized Payee List and delete the entry with Payee = "???"
IMHO, in Edit / Preferences / Downloaded Transactions the three checkboxes in "Your renaming rules" should all be checked.
Are you automatically accepting downloaded transactions into your registers? If so, you should, at least for a while, turn off the "automatically accept downloaded transactions into registers" setting to gain better control over what is downloaded and what to do with it.
Where are the "Auto-accept downloaded transaction" settings? There are two places where this is controlled in Quicken for Windows:
