Error "Access violation.. in module orageneric11.dll..." when querying a table with an XMLTYPE column (4244824)

When attempting to query a table with XMLTYPE as one of the column datatypes, the following error appears:

"Access violation at address 6053BE83 in module orageneric10.dll. read of address 00000008."  or

 "Access violation at address 148DF589 in module OraClient11.Dll. Read of address 00000008" or

"Access violation at address 000007FEDE9CC8BA in module 'oraclient12.dll'. Read of address 0000000000000010"

The data in the table is valid and also the error can occur, even if there is no data in the table.

In addition, version 12.9 can also hang, after the Access Violation, requiring Toad to be killed.