Thanks for the details you've shared, @StevenPDX1.

Let me share some insights about how classes work in QuickBooks Online. 

Use classes to assign each line item of the expense transaction or other expense category or accounts, so they don't appear on the transaction report for a specific account. The class of your journal entry is displayed on the report when you allocate to a bank account line item. For your convenience, I've included a screenshot below.

I appreciate all the workarounds you have tried and for following the workarounds provided by my colleagues. Currently, we don't have other workarounds available in order for you to classify the transactions.

We have an article to guide you in memorizing a report once you have the best customization to include all the details you need in a report.

Let me know if I can be of more help in running reports using QuickBooks Online. Leave a comment below. The Community and I are always here to help you. Have a great day.