I've reached the point now where myself and my accountant are exploring which option is best going forward. Either disconnecting my accounts and manually handling transactions going forward to give us some time to properly migrate to a new service or switching to a different service like Sage or something using a day forward, dumping the historical data from QBO somehow and moving on with a clean slate. This has gone on too long, the monthly subscription fee keeps going up, RBC is getting annoyed with my constant requests to unlock my accounts, and nothing is being resolved. My time is worth too much to keep fighting this issue so it's time to move on.