Did you ever find a resolution to the login rejection? I have had the same issue and can’t open the file on my laptop. 

also, after upgrading quickbooks on my desktop, my company files had to be “rebuilt” before they could be opened or restored. Then, quickbooks recommended that I save the file in a cloud instead of locally. 
so, that’s where my file is that I’m trying to open from my laptop. I’m wondering if this is related to the issue I’m having now on my laptop.