So the problem I had was not being able to hear anyone in game chat for months but they can hear me (I play on ps5). I reported the problem on this forum but no one was able to help. I too disabled cross save but did not delete the accounts - so don't disable cross save or you want be able to relink for 90 days!
What I did was go into destiny game settings, go to sound settings. Select the reset to default option at bottom right screen (square PS button) and I can hear in game chat again. So thank you bungie for not helping me.
Hope this work out for you.
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Thank you I'll try this when we can get back on