FIXED: I've been unable to download Citi transactions since early sept.  Did all the recommendations - finally a QB update release "today" 10-5-24, fixed it.  Now I can download direct again.  NOTE: you ALSO have to login to your Citi account and allow the connection.  I also had to remove the OLD QB connection as it was listed as QB 2021 (I have 2024) by Citi.  https://online.citi.com/US/ag/ofxConsentPage