connecting a bank or credit card - Error 105 and then relink timeout

I have noticed one of my credit card accounts throwing Error 105 for weeks. I have tried 3 times to go in and solve it myself. I have used QBO’s AI chatbot (not helpful), their experts on chat which take two hours and 7 information verifications to tell me they don’t know how to help, and finally I’ve scheduled callbacks that never happen (I’m on my third right now. I just wanted an email to send this info to, where someone will give me the answer in their own time. But no that would be too easy - I have to sit in the phone while they learn on the job. 
 

But I digress. 
 

Error 105 and re-linking the account doesn’t work. It does fine on the money in transactions, then freezes at about 90% done in the money out transactions. Then the whole thing throws a different error and I’m stuck with nothing. 
 

Please, please help.