She then wondered if I could even hear her and said she felt silly looking like she was talking to herself (remember I don't have a mic) so then she sent a message asking if I could hear her. I replied with a 'yes' and over the mic she went "Yaaaaayyy!!" and continued to say something about she was happy I could actually hear what she was trying to tell me.
If xbox is anything like PC, then she probably plays most games as the only person on mic, which makes one paranoid that anyone can actually hear you.
Anyway, I've a few.
(Un)Lucky
Wave 10 escort, london, the drone went on vacation, so the host had to leave. Transfer makes me host.... thats bad, i barely run at 30 FPS, with frequent drops into the sub 20 range. Thats the Un part.
Lucky part was that host rejoined the game (wasn't on my friends list, random pug), and so did the other person that dropped whenever the host transferred out. So he lost a little extra gear (provided he put more on), but still got some money from the match.
Then there was: German.
As in I finally found a match where people used voice. Unfortunately it sounded like german, which i don't speak. 
Didn't say anything because I was paranoid I'd sound like i was trying to say they had to speak english or some such.
And: Laaaaagggggg
Game was fine till wave 8 ish. Then it was like someoen got onto the host's net and started torrenting porn. Solid one second of ping, with frequent spikes into the multi-second range. Somehow we managed to finish (someone else was on voice mentioning that they were getting it to, so it was hitting at least 2 of us).