Hopefully may help someone.

Had a similar issue: no audio, no tones, no USB. Checked all of the fuses - all were good. Then, as I was about to about to close the fuse panel under the glovebox, I noticed a cable that looked like it had become unplugged. As it turned out, it was an optical audio cable and actually, there were two plugs, which looked like they had been mated together but held together with a single loop of vinyl electrical tape. It looked like a hack job but it had to have been factory installed. I bought my 2012 X-5 in 2014 with less than 24K miles. No one has touched it since. Of course, after 8 plus years, the tape failed. Still, seems very uncharacteristic for an automobile in which every connector is designed to withstand a sabot round.

I held the connectors together, prayed, and turned on the radio. Lo and behold, there was music in my ears! I wrapped it with a whole lot of electrical tape and closed it back up. Tones are working, too. Forgot to check the USB but I will follow up, if needed.