Starting condition (probably not unique, but in our case):
Have a player do the tutorial section and then host a world
Have another player not do the tutorial section and join the world
Instruction:
Complete any quest that guarantees item drops as a reward.
Consequence:
Player 1 (host) will receive the rewards.
Player 2 (guest) will not receive any items, potentially missing unique ones.
Other notes:
Both players are using the steam version and connecting via room code. Also the player that is a guest is having problems with his single player campaign as reported by other bugs as well as sometimes receiving double of the same loot but 2 different levels when opening chests.
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