In general, any error regarding a form download from a financial firm is totally because of whatever that firm makes available.
Did you check with Schwab? Their posted schedule leaves the possiblity that forms with Stock sales may not be available until even the end of February! So you need to talk to them - they control the download, not TurboTax although the error message itself is truly not clear or precise!
If this posted response is useful to you, please click on the upraised hand in the lower left of this post. Thank you. Scruffy Curmudgeon--PFFM/ IAFF, retired FireFighter/Paramedic - Locals 718/30, Veteran USAR O3 AIS/ASA '65-'67
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