Hello.
I just tried to play Destiny 2 on Xbox Series X and I cannot access any of my characters.
It started with the Birthday verification, and then went through terms of use, display settings, and then verifying my Bungie ID and entering my email. It then prompted me to create my first character.
My Gamertag on Xbox is Foreman5707 and my Bungie ID is Foremen5707#3898.