Add enough xp to level up to 40ish after the intro/tutorial thing. Go into Holborn Ducts, kill something, add exactly enough skill points to take what I want, add no attribute points.

Spend skill points.

Finish the capacitor quest.

Head to next station, talk to Murmur to get quest complete.

Talk to merchant and game crashes. I log back in, and I am back in Holborn, no access to Covent.

Talk to Oarf the merchant in Holborn, game crashes.

Load game without trainer, talk to Oarf, game does not crash. Travel to Covent, talk to merchant there, game does not crash. I exit game and log back in, I have Covent waypoint now.

If you have all the updated patch and trainer, I don't know what other info to give cause for me I am not crashing.

It still crashes every time I talk to a merchant, and occasionally when I attempt to zone.

If you want I can send a dxdiag.