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Maybe common sense but i thought id post and help a few people out, I'm not sure if its been posted here or not but ill share my way of getting around the character/stats reset when launching into online... Could possibly work for Xbox too.
If you unfortunately load up GTAO and you're greeted with the character creation start then hold down the ps button and turn off your PS3. Start GTA but load into single player then once its loaded press the start/menu button, choose online then click play online and the the desired session you want.
You can always double check its loaded it by choosing 'choose character' it should show your current player progress.
NEVER, If asked, change your characters appearance (i think it was) when starting online, it will prompt you on the screen... From what i've been hearing with my mates this could be the cause of player reset/overwriting, seeing as those whose characters have been reset permanently have clicked ok to change and its quite possibly overwritten their progress.. so just cancel the message and continue as normal.
Hope this saves you time and effort!