I've phoned QB over 4 separate times (who has the time to be on the phone with the same non-effective response) and QB keeps saying it's a MS problem.  MS did troubleshooting of my Windows (no issues) and I've repaired, reinstalled QB, turned off the UAC and even bought a standalone Office 2016 out of desperation (one agent said QB wouldn't integrate with 365 despite me using it for the pat 2 years).  This is the end of March so the problem has been floating around for two months.  I get the csv option for reporting.  Grrh.