Pay day 2

Hi. My name is Brilliant, an independent advisor, happy to assist today.

Here is a thread with a possible solution for a similar issue to the one you're faced with: https://answers.microsoft.com/thread/71d3165f-a868-4348-b68c-080610187bc6

It states that:
To change or verify this setting and set this option on your Xbox Live account, please follow the steps below:

1. From the Xbox Main main menu, select the Settings menu.

2. In the Settings menu, choose Privacy, then Change Settings, then Customize, then scroll down and select Member Content.

3. The Member Content setting must be set to Everyone in order for you to view, join, or create a Squad.

I hope this helps resolve your query.

Tried all of that to and no luck

Sometimes privacy settings in your account can affect online functionality. Go to the online privacy and security settings on your Xbox account and make sure it is set to allow online play.

Have you already reinstalled the game?
If none of the above solutions work, you can try uninstalling and reinstalling the game. Make sure all updates are installed correctly after reinstallation.

Already tried that nothing works

I am very sorry that you are experiencing this problem. Here are some suggestions you could try to solve this problem:

Check Xbox Live status: You can check Xbox Live status on the Xbox status page.
https://support.xbox.com/xbox-live-status

Test your Xbox Live connection: Make sure your Xbox console is properly connected to the Internet.

Restart your Xbox console: Sometimes a simple restart can solve many technical problems1.

Reinstall the game: If the problem is related to a specific game, try uninstalling it and then reinstalling it. Hello, My name is David. I am an independent advisor, happy to help you today.

Best regards.