So, after several days of working at this here's what I have to report:
Don't call EA (or I should say don't have them call you) because they can't/wont help.
EA Access must be the culprit because I went to Gamestop and picked up a hard copy of the game and after a 15GB update to the Xbox One to be able to play it I was able to get into the game, download an online pass from the in game store menu, and unlock the full ability to play the game.
My guess is that though it no where and in no way states that EA Access and the games downloaded from the Vault cannot be played through the multiplayer that must be the case because it was only the electronic download through EA Access' vault that caused the problem.
If you are also experiencing this problem go get a hard copy of the game. Me, I'm going to be calling EA (again, or having them call me) to refund the money that I spent on their service that doesn't work as advertised before no doubt having to go to my bank to have them put a stop on the charge for goods/services not received.
