When downloading Banking transactions with latest release......

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:

• Globally, for all accounts, in Edit / Preferences / Downloaded Transactions
• For each account individually, the global setting can be overridden from the Edit Account Details screen, Online Services Tab. Look for blue text "Automatic Entry is: ON / OFF". Click the text to change the setting.