Reported: A character who logs in wearing a full set has no set bonus until a piece is taken off and put back on.
Found: The server ignored a set-bonus check that arrived before the character had entered the world, and sent no answer. As the report traces it, the client makes that check during the login downloads, before it asks to enter the world, so the request was dropped. Nothing else turns a set on at login, so the stats calculated when the character appeared carried no set bonus.
Fix: The server now answers the set-bonus check as soon as a character is loaded, including the one the client sends while logging in. The set is recorded at that point and its bonus is part of the stats the character appears with. This ships in the next RF Online: Dragonborn update.
To verify: Wear a full set, log out and back in, and compare the stats with the same character after re-equipping one piece. They should already match on login.