Finally took care of the problem myself.
I got a full refund on the disc version at Gamestop. T
hen I purchased a digital copy of GTA 5 on the PS STORE for PS3.
No issues at all.
I also changed the cable connection to my router and cleared up all online issues.
Now it is the cloud servers failing every once in awhile.
It is working great for me great with the digital copy now.
Love the online. Hate how all missions are now nerfed for the payouts.
$800 to $1000 for robbing stores now.
Used to be $2000+ before patch 1.04.