With Chat Support, using my Accountants' version,  we could not get the Error 195 to disappear, case number [removed].  Each time, we tried to deactivate the closed credit card Bank Feed, the 2019 QBD 'bombed'- Before and after running the Rebuild the data file.   The Chat person suggested another route, but that would only change the Lists, not the transactions.   

What has happened to this QBD quality software program of the past years?    I am not asking my Clients to upgrade to a newer versions because of the continuous problems I have encountered, especially Error 6123.

So I had to give the Client two data files, with the Error imbedded:  A Backup and an Working file, and ask the Client to try restoring or opening each to see if which will work.