I know that if I drew out the Cartesian plane, it'll form a right triangle in QII (that means cos θ must be negative).
My plan was to use $r=\sqrt{x^2 + y^2}$ (aka the Pythagorean Theorem), since, by definition of soh cah toa, I'm given the opposite (the leg parallel to the y-axis, $\sqrt{5}$) and hypotenuse, $5$.
$5=\sqrt{x^2 + (\sqrt{5})^2}$
$5= x + \sqrt{5}$
$5 -\sqrt{5} = x $
However, I know that this is wrong since the answer cannot be positive since it's in QII... plus it's none of the options... so what did I do wrong?


First, you've done something bad that you should be aware of: $$\sqrt{a^2+b^2}\neq a+b,$$ so your second line of calculation is not correct.
Now, to find $x$, we should start as you did with $$5=\sqrt{x^2+(\sqrt 5)^2}.$$ Continuing, we get \begin{align*} 5^2 &= x^2 +5\\ 20 &= x^2\\ \sqrt 20 = x. \end{align*}
Thus $\cos\theta$ is the (negative!) ratio $-\frac{x}{5}=-\frac{\sqrt 20}{5}=-\frac{2\sqrt 5}{5}$, so the answer is (D).