What the Fudge (But I Didn't Say Fudge)!

I have found an annoying bug that scares the hell out of me every time. I log into the game and the character screen loads, as I scroll thru my characters everything looks normal until I get to my Main. And there he stands wearing nothing but his Argent Tourney Tabard. My heart sinks as I log into him to find everything intact. I have NOT been hacked. This bug alone makes me want to buy an authenticator. anyone else have this problem?