Been happening all week, quitting game usually fixes it but sometimes it doesn't. I'm just left with the same black screen with the loading symbol frozen but music still playing
I have 53 character slots and this happens once or twice each cycle. It helps when I camp all of them in the same location as it's more prevalent when switching zones between characters. It also largely goes away if I pause for a second or three after changing characters on the main screen before entering the world. But I have also had it happen on the very first character of the day too.
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The only way to near 100% avoid it is to only log out in PE.
It can occur on any loading screen that isn't to a solo instanced area.