Candice - don't change anything yet. If we add one more thing to the mix my simple head is going to explode! It sounds like you're using several programs and I can't figure out what you're using for what. I have an idea of what going on but I'm not sure.

So let's start at the beginning with EOS Viewer so I can follow along.

1) take pictures - use automatic mode and jpg files for now.
2) hook camera up to computer and turn camera on
3) select EOS viewer if it doesn't come up automatically. Hopefully your screen look something like page W-15 of the software manual that came with the 20D. Your exif data should be visible here.
4) download images to your computer (pW18-W19 of manual)
5) select image from the folder on your computer (NOT in your camera)
6) save image (p W-41).

Go thru this and tell me if any steps don't get the expected results, stop and tell me exactly what you see. Just a note - if you don't get to steps 2 thru 4 fast enough your camera may fall asleep and you'll lose the connection. If you do just press the shutter halfway to wake the camera back up.