11 days ago - /u/Destiny2Team - Direct link

From Bungie Help:

We are continuing to investigate issues related to gear and characters not loading in various activities including the Tower, Excision, and PvP modes.

We recommend that players experiencing these issues fully restart their game as a temporary mitigation.
We will provide additional information when available.

Some additional context:
Issue is a bit deeper than initially thought. While an attempted fix was issued on Tuesday, we're still seeing reports of gear loading issues in multiple activities.

Once the team has identified the underlying issue and has a projected fix timeline, we'll let you know.

Until then, it's highly recommended that you close and restart Destiny 2 if you begin to see player gear not loading, including your own.

Most frequently, we see reports of this occurring after completing a Raid encounter or Excision activity.

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