We had the same problem, but with Wells Fargo tech support we found that Wells Fargo thinks we are using an old browser (didn't say which one; our browser is supported and up to date).  We checked to see that our Quickbooks was up to date (R13P) - it was. 

Then we decided to DeActivate the Bank Feed, restart Quickbooks, then Setup New Bank Feeds. 

Wells Fargo will ask for your UserID and PIN/Password (what they really mean is your Password, the same one you log in normally on a web browser into Wells Fargo).  We were able to perform a Direct Connect successfully at that point.  There are about 10 items that could affect connectivity (internet loss, old browser, different default browser, etc.) but re-setting up the Direct Connect from scratch worked for us.  Windows 8.1