im having the exact same problem on xbox one since the patch yesterday, i was just about to buy the last cards i needed and then the patch auto installed and after i turned the game back on the achievement wouldnt pop
same for me on xbox one ive had the zoltan card the entire game. I was collecting cards and before i got to the last merchant i needed the 1.07 update automatically started downloading and then after it installed when i picked up the last few cards i got no achievement , what crappy timing :(