I have faced the same issue before and currently. It's tough and can be very discouraging. I think in these conditions you have to put the lure right on top of them, they are not going to chase the lure down. I have caught them on finesse lures and loud flashy lures, the constant is they bit within a few feet of where the lure landed. For me this has reinforced what I said above that they are not really chasing the lures I generally find them tight to the bank (during summer muddy waters) and at humps/drop offs