Your formation’s doing you no favors—4-2-4 is basically an open invitation to get torn apart through the middle. It’s one of the easiest setups to play against, unless your game plan is “hope my strikers score 5 before I concede 6.”
Try something that doesn’t require a miracle every match. 4-5-1 is a stable pick, and the 4-3-3 variants work depending on how chaotic you like your life—Holding if you actually want to defend, Attacking if you're pressing like it’s stoppage time from kickoff. I use 4-2-3-1—you get two CDMs for defensive structure, three CAMs, and a lone striker. The wide CAMs push like wingers in attack and tuck in during defense. Your central CAM should be your best all-rounder—think 109 Gullit or someone with actual legs. He basically plays as a roaming CM.
And just so we’re clear: high OVRs aren’t magic. They won’t save you in H2H once you hit the real ranks. Sure, they help in VSA—but in H2H? Welcome to a different game. Fully trained meta cards will often outshine “bigger” names. Plus, you’re still dealing with lag, bugs, weird matchmaking, and the occasional cheater. So no, it’s not just your formation—it’s everything.
Also, traits, work rates, and strength matter more than people think. Having players out of position is fine in H2H. OVR doesn’t matter there—it’s how they play that counts. So maybe start by ditching the 4-2-4 and work your way up from something that won’t implode every possession.