Don't join other peoples games and make sure nobody does glitches in the armory. Joining games gets you the problem and doing glitches in the armory creates it. If you end up with the "steal loot" or whatever checked (the middle one), dashboard it. Hope this helps. I just had a friend help me fix it today after over a year.
Looking for people to casually play Forza Horizon 2 on the X1! Message me!
Thanks to Rajeanero for the sig!