Disable Microsoft OenDrive or search for OneDrive here in the forums, or OneDrive Elder Scrolls Online in official forums of ESO.
Also allow your c:\users\...\documents\Elder Scrolls Online folder inside your Windows Defender application (whitelist it).
Search online for Windows Defender Whitelist how to do it.
There was a win10 patch several months ago which makes Windows Defender block your documents folder and thus games to find files in it.
btw: This all can be found in the esoui forums if one clicks the several threads and reads them...
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