After reloading sometimes my joined teammates duo is just in trousers, no weapons, no armor in his view. The problem is, that all stats are down. In my view, his duo wears their clothes with all equipment. So he has to leave the game and rejoin it.
I had this as well recently. I joined the game of a friend (he started it in singleplayer). He retained controll of Scarlett and handed Roderick over to me.
His Scarlett fought in underwear, my Rodericks stats were all set to 5 and abilities to 0, with only the bonuses from equipment.
Leaving the game and re-joining fixed it.
