Hi, John you're right.
The scanner is on access reads/writes.
"After I dl a file it says "scan for virus" when I disable the av it does not say that"
Partially correct, your browser is calling up the AV, if found to scan the DL.
The same as if you right click scanned them.
The behavior you see with the eicar.com file proves the scanner scans the files
as written so having the browser do it again is redundant anyway.
The zipped ones are caught on access/read so try to open, explore, or unzip and
viral executable is detected then.
The "viral" files are harmless and can not be executed from the archived state.
So there is nothing to fix, as this is the expected behavior.
There is sound reasoning behind this.
Later

Major edit: as rambling filter was set to very low.