Okay I can see after reading through some of this cameras manual that the download features is done through the FinePix software. If the programing isn't loaded correctly or possibly you have the viewer up not the download window/program. It's a simple task and this system is way to complex. What possible problems you may be having is that the pictures you are attempting to download are in the camera memory not the memory card. Most point and shoot cameras can not download to the computer from camera internal memory they need to be transferred to a memory card first then to the computer. If the memory card is being used and not internal memory I'd suggest looking at the memory card to see that it's not locked I'll include a generic type diagram to show this little switch.
Okay a quick recap, memory card lock, possible internal memory trying to download, camera to computer software issues, failure to connect the USB cable to the USB port on the computer.
If you don't mind a suggestion I'd suggest buying a card reader and bypass the camera and software to download. The card reader can be purchase as a single card to fit your memory card type or a multiple memory card reader, which ever the computer looks at is as an external device, like an external Hard Drive or printer. You need to make a folder to put the pictures in "My Documents" or "Documents" "PC or Mac".
Transfer the camera files into the folder which can be opened in your FinePix programing. Then do a safely remove of the device or eject PC or Mac what every you have make sure you shut off the feed before taking the memory card out. Then format the memory card in the camera cleans all the old pictures off and make the camera and memory card compatible once again.
Hope this was a help and didn't confuse the issue, Robert in Canada
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