Assuming you're using standard OEM magazines in your XD, the shiny aluminum might show signs of wear from any pinch spots. If this is an expansion/contraction issue, that might help you pinpoint the problematic area.
If this happens again, you might want to consider applying a very thin layer of oil on the magazine. Insert the mag, then drop it, and see if that helps highlight the spot on the mag where it's catching on the mag well.
For what it's worth, I shoot an XD Service .40S&W and haven't run into this problem, but your mags and gun are sufficiently different from mine to make it a poor comparison.