I understand this isn't an easy process for you, @GSR10051.

Allow me to provide additional insights and suggestions to fix this issue related to the American Express credit card downloads.

I've checked our database and found out that the research about this issue is already closed and resolved. Make sure to upload the latest QuickBooks Desktop release version. This keeps your software up to date and has the newest features.

Here are some of the possible reasons why you're still getting the same error:

• There’s a problem with your financial institution.
• Internet connection issues.
• There’s an issue with one or more bank accounts in your company file.
• The file from your bank isn’t compatible with QuickBooks.
• The version of Internet Explorer and an unsupported version of QuickBooks is outdated

You'll want to check first your Internet security requirements. This keeps your connection with your bank secure. Then, try to download transactions in a test company file. Browse this article and go through the detailed steps: Fix OL and OLSU Bank Feeds errors in QuickBooks Desktop. 

Additionally, follow steps 3 to 6 from the article mentioned above to completely fix the banking issue.

If the problem continues, I recommend calling your bank. This allows them to investigate further and give you the best answer to your queries.

Once you're ready, read this guide about handling your account balances in QBDT: Reconcile an account in QuickBooks Desktop.

We're here to back you up 24/7 if you have other concerns with banking or QuickBooks in general. Take the best care!