Your characters are store on bungies end of things, not yours. When you log on on your ps4 you'll have an option to import your characters.
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I know but I declined so I could finish what I wanted to. When I had finished doing that stuff, I went to do my data import and found that it had already done it and when I checked the gear, vault, etc. nothing I had collected was there. I did buy the Destiny Collection from the PSS so I know it wouldn't be an expansion problem.
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If you declined the character import you're screwed. That's a one time option.
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What I had done was put off the transfer. Not completely decline it. (Sorry for any clarity issues)