Q: Mac Mini Late 2012 won't accept 8GB in Bank 0

I recently bought a Late 2012 Mac Mini Quad Core.  I am now on my 3rd set of 2x8GB RAM trying to upgrade it.  I tried 2 sets of Corsair and am now trying some Kingston.  After several crashes I have narrowed it down that Bank 0 will not accept 8GB of RAM.

The original 2x2GB RAM together work fine.

2GB of RAM alone in Bank 0 or Bank 1 works fine.

8GB of RAM alone in Bank 1 works fine (either stick)

8GB of RAM in Bank 1 and 2GB of original RAM in Bank 0 works fine

Anytime I put 8GB of RAM in Bank 0 whether it is alone, with the other 8GB stick in Bank 1 or with the original 2GB stick in Bank 1, I get kernel panics.

I've tried resetting the PRAM each time I test each installation.  Any suggestions?