Hi Dougc83,

Thanks for posting in the Community. I understand your frustration on your experience with QuickBooks Online. Let's do a manual update to download your bank transactions. 

Here's how: 

1. On Transactions tab, select Banking.
2. Select Update button. 

If you still encounter the same problem, please get in touch with our QuickBooks Customer Care Team. They can investigate this further with more tools and check your account. 

Additionally, you can manually upload transactions into QuickBooks Online via CSV file. 

Let me know if you need further assistance by dropping a comment below. Thanks!