I lost everything because my game crashed lost all guardian ranks, all skins and heads, bank items and even the bloody harvest rewards. I was playing with friend online when the game glitched out as he was driving. My game froze so I head to shut down my xbox turned it back on and said that my game had become corrupted so it reset everything. All four characters have the same problem
The only thing I can suggest is deleting the local save data so that the system re-downloads your cloud saves. This needs to be done before the XB1 tries to push changes back up to the cloud. If successful, it won’t necessarily restore everything - it might be an earlier version - but at least you’d have something to work with. After that, submitting a support ticket would be the next step since the support staff can at least refund keys and certain other items.