TEXHOMAG: What's this? And how to debug it?
Disclaimer: Not immediately helpful ;)
Technically, what it is is a combination of "A-pose" models and one "T-pose" model (headless on the T-pose!)
This normally happens in game dev if an early action or state script fails to load properly.
So it gets part way though loading the scene and save data -- the characters and their locations are known, but something fails in the script load before their current action/animation states can be loaded... so you're left with... that -- the position in which they were imported from the base game files as defined from the original 3D modeler.
Why? Unfortunately, that I can't say -- that's what QA departments are for.
The headless part is the most fun bit of that, but there's likely a custom load reason for that.
What I can say is the same thing every developer would say -- can you provide a reproduction case?
(e.g. a save file that repeatedly loads in this state)
If so, insofar as troubleshooting goes, that would be a great save file to pass to the devs (and subsequently their QA department) to investigate further. Believe it or not, that kinda stuff is really appreciated :)