I'm the original poster and I was finally able to fix this.  Your problem likely has everything to do with the fact that all of your OLD downloaded transactions are still stored in your downloaded transactions panel.  You may have hundred or perhaps thousands there, and the new Quickbooks Mac Plus 2022 simply can't work with that.  Those old downloaded transactions must be removed, and the ones you will download each month thereafter must be purged as you go (after matching).  To remove all those old transactions I recommend calling to customer support and be sure to find someone that is familiar with this process.  If you have a lot, there are some unique steps that must be taken.  Good luck!