Cross save does not merge accounts. Cross save allows you to pick one account to be the cross save account and only that account's characters and game progress is what you'll see when logging into any of the platforms linked on your cross save set up.
The Silver lockout is intentional. Any account in cross save that had purchased Silver, a bundle that included Silver, or a bundle that included Season Passes will incur a 90 day lockout from the date of purchase from being able to disable cross save. All you can do is wait out the lock out period.
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I see that now but I cross saved the wrong account? I didn’t do my steam one and I did my PS4 one. So there’s no way possible for me to get my steam one cross saved and now I have to wait this cool down? I just grinded the 30th event and now I won’t be able to play it with how this is cross saved.
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The only way to fix your issue is to disable cross save. Unfortunately at least one of your accounts purchased Silver in the last 90 days so you will be unable to disable cross save until that timer runs out. Additionally, when you do disable cross save, be aware you will not be able to re-enable the feature for an additional 90 days. But you will be able to play your source characters on their source platforms during that time period.
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Okay :( thank you for the help I have about 50 days left on it so I guess I’ll just have ti play this character for now thanks again!