This has been a known problem with XD45. The problem was with the straight slide rib not pushing the top round in the magazine far enough down to allow the spent case to eject. XDM fixed this problem by modifying the slide.
Below are pictures to illustrate this. Check your slide rib. If it won't push the top round in the magazine down enough, you'll need to use RN profile bullets like
MBC 200 gr RN. Website comment states, "FEEDS LIKE BUTTER". This bullet does better at shorter OAL like 1.195" or down to the crimp groove and accuracy was comparable to 200 gr SWC with 5.0 gr of W231/HP38.
Here's
repost diagram from xdtalk showing SWC and straight slide rib:
"Rough" picture of most semi-auto (especially compact/subcompact) with angled rib near chamber end for case lip to clear next round in the magazine.