Let me help you sort this out, @alyeskane.
I can provide information about downloading transaction into QuickBooks Desktop.
There are no a reported issue with regards to Web Connect file, however, I have some troubleshooting steps to add that should work for you.
You may download directly from the banks website, outside of QuickBooks:
You can also duplicate the issue in a new test file:
If the import is successful in a new test file, the issue lies in the original data file. Otherwise, the issue is with the .QBO file formatting provided by your bank.
To fix it, check out solution 2 detailed in this article and 3-4 for more troubleshooting steps:
Feel free to leave your comments below if you have other questions. I'm always here to help.