I appreciate you for performing the troubleshooting details mentioned above and for coming back to the thread, njabaters. I'll ensure you'll be routed to the right person to assist you further so you can download transactions smoothly.

Since the issue persists, I recommend contacting our QuickBooks Desktop Support Team. They have the tools to pull up your account and be able to investigate the cause of the error and why it keeps happening.

Here's how:

1. Press F1 to open the Help window.
2. From the search icon, type Contact Support.
3. Click Contact us at the bottom part.
4. Give a brief description of your issue about downloading transactions and click the Search button.
5. You'll be routed through How to connect with a QuickBooks expert and you choose which one is best for you.

Lastly, you can read this article if you need steps on how you can review and match transactions in QBDT to avoid duplicate data: Add and match Bank Feed transactions in QuickBooks Desktop.

Let me know in the comments below whenever you need additional assistance with managing bank entries in QBDT. I'm always around to continue helping you, njabaters. Stay safe!