Yes, you have a graphical error. FFXIV uses a Moire pattern overlay to emulate transparency. It's probably the ugliest thing I've seen since RAGE's horrifically pixelated textures. As far as a fix for your issue is concerned, it would help if you provide the graphics card model, driver version, OS version, hard drive type, any history of malware or viruses, and let us know when the last time you installed Windows Updates occurred.