A similar thing happened to my M&P 9mm full size. The recoil spring slipped off the guide just enough to jam the slide and prevent it from moving on the frame. I ended up removing the roll pins that hold the trigger assy. and trigger block in place, and lifted the slide with the attached assys. off, removed the spring and reinstalled correctly, replaced the roll pins, and slid it all back together. Not sure of the takedown procedures of the XD. And I'm still considering the 5" bi-tone in .45 ACP, since the .45 M&P still isn't available.