The thing with madden this late is that, yes most people have the highest tier teams available, but unless your spending some money (now), you have already missed alot of the content they have given away when the game first came out, now yes you can play with an 87 overall team against h2h seasons, but unless you are an extremely talented at madden, sadly playing someone online with your team, you will be subject to alot of frustrating games.
I stopped playing online a couple months ago, where I just said I had enough. the poster above wasn't lying to you, madden online in ultimate Team is extremely terrible, and unless you are planning to spend money to compete its not worth the hassle and headache.
I to tried to just go to playing against the computer for solo battles and challenges, but to be honest sittng there grinding 240 challenges usually or more per challenge set and really getting bare minimum for your efforts is not very fun. And to basically have to continue that trend just to try and keep up with the field pass is not worth it.
You have to play madden atleast 8 to 12 hours a day if your going to go no money spent grind and trust me it's just not worth it. Save your time and sanity, play franchise or even regs h2h. If you still want to play ultimate Team then play Mut Draft, there's less dumbness in that mode, teams are vanilla stacked and you have no ability cards, you will get one ability card at half time that you can play with though.