Hey everyone. Thanks for the replies.
Yes the thread has veered off course a little. It's normal for threads of any length like this. I'm a bit to blame because I interjected my frustration with tech support. I contacted them about this and after 5 emails back and forth about where I bought it, when, and finally demanding I provide proof of purchase, they vanished. Never addressed the problem, nothing. So yeah, I'm a bit frustrated and feel a little screwed over to be honest. But it's time to move on because there's nothing I can do about it now.
To steer the thread back on course, here is an explanation of the problem I'm seeing and
here is a link to the song files I posted before so you can open it and hear what's happening for yourself. You have to be logged in to the forum to see the files and download them.
Here's what is happening:
I was doing a 3/4 song (Silver Bells) starting in the key of A with a key change to B. Biab played all the chords as expected without adding in any 7th's until the song got to the key change. After the key change to B almost all of the chords are embellished with 7th's turning this well known Christmas song in to some kind of warped out of tune sounding blues tune. If you choose a midi only style it does not do this. It only does it when using all Realtracks.
I've performed all the Simple Arrangement and Force Simple Arrangement settings. I set a key change at the bar where it changes so Biab knows the key has changed. I've performed all the steps suggested throughout this thread. Nothing works. No matter what I do with any Realtrack style it always ignores settings and adds in complex chords that I didn't enter.
So thanks again for all the replies. At this point it seems the easiest course of action is to just do it twice in different keys and export the tracks in to my DAW and cut/paste/splice the song together. I have to say I messed with this a little and man, the Audiophile version sounds really
really good! I was shocked because when just listening through Biab it doesn't sound near as good as when I export the tracks in to my DAW. I would have been thrilled with my purchase if not for this hiccup I ran in to with my very first song. LOL!

Thanks again everyone.