Doug
Chrome insists upon creating a Downloads folder AND placing it exactly where Chrome wants it, in spite of what user preference you might decide upon.
I don't use Chrome and haven't given any research time to "how to fix" this situation, but there are a couple of entries in Google that may be a place to start.
Google the term: "download folder created" (without quotes)
The second item down is a list of rants without authoritative response or solution.
I suppose Chrome has a user group help forum or Chrome Support, but again I haven't researched it.
When you discover the solution, I will enjoy reading your work.
Doug