You certainly picked the difficult schools to try and transfer into. Take a step back. Consider some other schools and apply for transfer for winter or spring. Deadlines are in June and August. If you rather, take the year off and re-apply for Fall 2016.
Whether to change majors is a totally different situation. Are you not happy with business and accounting? Don’t change because you think it’ll be easier to transfer because it won’t. Only change if you really feel that’s a s life path for you. Go talk to an adviser at school to see what your best options in classes are for changing (but make sure to add some more accessible schools to your list.) If you haven’t gotten your associates yet, that might be an option. Just know that schools do put a cap on the amount of units they’ll take so some classes might end up not being counted.
What transfer curriculum did you do? Did you do the IGETC? If so, transferring should be pretty smooth and allow you to jump right whatever your major requirements are.
Don’t be too down. You’ve got options. It may just take a little more time.