Maybe not the problem you are describing, but also finding OneDrive an absolute pain, and my husband more so. He bought a new desktop PC along with a multi-computer subscription to Office 365. He later found that every new document he had created since having it had been saved to OneDrive rather than "my PC", and all the word formatting had changed - underscores, capitals, paragraphing, page breaks etc. Having copied these docs back to "Documents" in my PC, sigh of relief that the original formatting was restored, thank goodness! Seems that if you leave Autosave on, everything will automatically go to OneDrive by default: probably because MS wants you to fill your allocation of storage and then have to pay for more.
I did use the Office 365 sub to upgrade Office on my own Laptop, but discovered this same problem early on and switched Autosave to "off", so I can save to PC (and back up to my chosen storage, which isn't OneDrive!)