I apologize for taking up so much of others time. 
I decided today to really get into more thorough testing and I found the issue. My OnePlus 11 for some reason does NOT like that USB connection for getting on the internet.
I have tested several other phones, tablets and laptop today and everything routes as it should… Now I need to figure out what the issue is with it routing to the internet through that WIFI connection… it works with everything else I have ever used it with.
I’ve reset all the network settings on the phone but it is still not routing for some reason.
Again, I’m sorry for not checking everything to find the problem.
On a plus I have the drivers loaded and working, negative my normal phone can’t use it (for now).
Thanks for all those that helped… I do appreciate the assistance.
UPDATE / EDIT - changed the hotspot to 2.4Ghz and everything is happy. Seems there is a known issue on some networks with OP 11 phones and 5Ghz.