Oh my goodness this actually worked! Of course, chat was unavailable as usual, but definitely a way to get to chat without desktop opening. I will say I signed up for Accountant's account and that's how i was able to access this online. So, if you're having problems with Desktop and can't get to chat online, start an Accountant's profile. It's free. Then do as this person said. Finally a real answer!!! Thank you!

EDIT: This was in regards to @ReyJohn_D post. I can't tell if my reply is tied to his response.