I had to resolve the issue without waiting for MS to migrate our other accounts over. This FIXED our issue, but is a slow process if you're willing to wait. I used an external HD and downloaded all the files that I wanted to keep, which was around 750GB, we have 1000mb internet so I have been working on it all day. If you try to do multiple files at once, it will download them as a zip and it goes REALLY SLOW for some reason, so I just right clicked and downloaded each file individually.
Once all the files were finished downloading, I just let it run until the evening, I double checked that everything was there. Thankfully it's mostly video files so it wasn't thousands of files and was easy to check. I then created a new account with a new email address and removed the other user from the family and added this one. I probably should have created the new account first to make sure it was on the new system, but I was just assuming it would be, and it was. I created a folder and shared it and in my onedrive I added the shared folder to my other onedrive, and the folder appeared on my computer instead of a link.
Now the process would be to upload everything back into this folder, whatever you want to keep in onedrive.
A lengthy and time consuming alternative, but it does work and was what we needed and were willing to do. One account did switch over a few days ago, so they ARE working on switching their servers over. It seems to me like they are doing it over the process of a year to update their servers, so you never know how long it might be. We have one account left that needs switched, but we are going to wait and see on that one as it isn't a huge deal.
You DO have options though. Thanks to everyone who helped solve and figure out what the actual issue was. I would have been so frustrated without this thread. And I did email MS support and they told me we just have to wait, and no ETA. So if you want (or need) to take matters into your own hands, do it this way.
The problem is to determine which account is old and which is new, server wise.
I removed my shares between my own accounts and I segregated the content between old and new. It was ok since I am just below 2 TB total.
OneDrive is on its third day synchronizing my AppData backup, just calculating CRC or something like that (not using bandwidth). 😵