UPDATE

when logged into my main windows account, It says I cannot update.
It has me go through registration process...(EULA, etc).

BUT when I log onto another account on windows, and then log onto FFXIV,
it was able to download the update and install. The game runs fine. Figuring it
was a permissions issue with windows, I reinstalled windows to see if that would fix the issue. It did not.

The same solution is required to play. Log onto another account in windows.
Tried copying config file over to main account. This did not work either...

THE ONLY WAY I CAN PLAY is by logging onto a diff account...which I guess will work for now until there's a better solution...