Ideas
DominoBean21 When you say you refreshed the Sims 4 user folder, did you test with nothing added to the new folder? That includes your saves and other files but also downloads from the Gallery. If not, please generate another new folder and test a new save there, with fresh sims on a default EA lot.
If that doesn't help, please provide a dxdiag. Click Windows key-R, enter dxdiag in the run box, wait for the scan to finish, click "Save all information," and save the file to your desktop. From there, you can attach it to a reply using the paper clip (Attachment) icon included with the other formatting buttons.
Please also let me know what kind of install this is: EA App, Steam, Epic, mixed, or something else.
Separately, are you getting any lastexceptions when this happens? They'd be in the user folder as well. Please delete any you already have and let the game generate a new one. Open it, delete its first line of text, and attach it to a reply as with a dxdiag. Or you can copy the text and paste it into your reply.
Okay I tried refreshing without moving anything back in and I'm still encountering the issue. I've attached what you requested below.