Lots of things can cause this. Too heavy of a line weight put on a narrow spool of a small framed reel will make looping a nightmare. Old or cheap, “bargain” lines are prone to looping. Braid can lose its tension on a reel and result in loops of it falling off the front of the spool when its not under a load, such as a lure. Fluorocarbon and monofilament lines can be real stiff, depending on weight, line formulation and maker. Just the cold can make line loops fall off a spool easily.
If you are using fluorocarbon or mono ice line you can try this trick when loading your reels with new line. Tie the tag end of the line on the factory spool to your reel and lay the spool flat on the floor. Make a few turns and stop. Look at the line at the spool on the floor. Does it make a loop or twist around itself? If it does, you need to put the line on from the other side of the spool. Mark the labeling in such a way that you’ll know which side to spool from and just hand re-wind the line from the reel and snip it off and tape the tag end back on the spool.
Next, heat a large bowl of water in the microwave until it is HOT. Not boiling, but hot to touch. Put the spool of line in the water with the bowl on the floor and give it 5 minutes. After the 5 minutes get the tag end of the line free while the spool stays in the water with the “right” side up. String the line thru the guides and fill your reel using finger tension.
The warm water will help the line take a “set” to your reel’s spool. Keep in mind though that what you have tied on to fish with can also affect the lay of your line. Some lures are designed to be jigged fast and maybe hard. This can mess with the line and cause looping to occur. Closing the bail by hand instead of turning the handle can help prevent looping too.