I appreciate you performing all the troubleshooting steps and workaround suggested by my colleagues, @jmaz37. Allow me to assist you further and make sure you'll be able to download your bank transactions.

Since you've already performed the Verify & Rebuild, let's go ahead and download QuickBooks Tool Hub to help us fix common errors. We recommend using Tool Hub on Windows 10, 64-bit. Let me walk you through the process:
 

1. Close your QuickBooks file.
2. Download the most recent version (1.6.0.3) of the QuickBooks Tool Hub. Save the file somewhere you can easily find it (like your Downloads folder or your Windows desktop). Note: If you've installed Tool Hub before, you can find out which version you have. Select the Home tab.  The version will be on the bottom.
3. Open the file you downloaded (QuickBooksToolHub.exe).
4. Follow the on-screen steps to install.
5. When done installing, double-click on the icon on your Windows desktop to open. If you can't find the icon, search for QuickBooks Too Hub on your Windows.

Next, let's run the QuickFix my Program from the Tool Hub.

1. In the QuickBooks Tool Hub, select Program Problems.
2. Click on Quick Fix my Program.
3. Start QBDT and open your data file.

After which, proceed to step 3 and run the QuickBooks File Doctor. For a detailed step-by-step process, kindly visit: Fix company file and network issues with QuickBooks File Doctor.
 

On the other hand, if the issue persists even after performing the recommended steps above, I'd recommend getting in touch with our Technical Support Team. I know that you've already contacted them but it's the best we can do given that they have the necessary tools to further look into this without compromising your account's security.

Additionally, I have an article that can assist you in understanding the process of reconciling your accounts to ensure they align with your bank and credit card statements and, allow you to identify any discrepancies and resolve them: Reconcile an account in QuickBooks Desktop

Our team is committed to providing you with the best possible support, and we appreciate your patience throughout this process. If you have any further questions or concerns, kindly leave a reply. We're here to help and ensure that your banking experience is as smooth as possible.