At my own expense I have found out how to replicate this error 100% of the time (for ps4 & maybe xbox) just unplug the console while playing it’s like crashing the game without the blue screen. I have since restarted because I do feel my progression that I lost if I get it back won’t be in a timely manner and untill I am maxed as I was before I will be playing solo and I recommend everyone who is not maxed rep 50 to play solo untill you are satisfied with your bank, rep lvl, car perf lvl, etc before going online the game seems to crash more online so don’t do all of your progress through online mode you are prone to lose it until a patch is released
and I see this error is different for pc players vs console pc players are not given the choice to sync to play online while console is as shown in photo below but for you people that are still grinding all I can say is SAVE SAVE SAVE I dislike that there is not manual saving in this game I believe it saves every time you enter the garage I don’t trust the auto saves while driving around the city
so do yourselves a big favor play solo make sure your power connections are tight in the outlet and your system and save frequently VERY FREQUENTLY