Having the same problem but we should count ourselves self lucky. People bought the $60 or $80 edition and still can't play hell people pre-ordered that shit and still can't play. Worse case for us is we could buy another 20 Microsoft card and buy a game that actually works or buy a cheaper game. I hear metal gear solid is doing quite good or elder scrolls right now is like $40.19. If anything this is a second chance, it's giving us the option not throw our money away on a broken game for a company that keeps on -blam!-ing us over. For example "hey destiny players guess what we're going to Nerf everything so you have to buy taken king just get buy until our next dlc and for those who play strikes and crucible well guess what -blam!- you because we're taking that all away from you until buy taken king!"

I believe everyone has the problem (after release)