For context I got the game on Windows 10 through XGP.

Midway through my XGP trial I decided to back-up my characters in fear of losing my files after the XGP trial expires, literally the next time I opened MCD my characters were already gone, luckily the back-up was stored in a separate folder.

I saw a post on windowscentral about cloning characters causing character wipes and I believe that could be the root of the problem this problem keeps persisting.