I have been having this problem for a few days now. Haven't played it for a day or so to see if it would go away, it hasn't. I have a user on my playstation system that has playstation plus. All online multilayer benefits should be provided for me and they have been, until a few days ago. I am locked out from raids, strikes, nightfalls and all other multilayer content. Just a side note. My playstation plus ran out a month ago and have been using all the online features just fine until a few days ago.