Hi there,
Thanks for reaching out!
It's possible that Parental Controls on your Bungie account or platform could prevent the use of text chat. Please review our [url=https://help.bungie.net/hc/en-us/articles/24217906958868-Date-of-Birth-Requirements-for-Destiny-2-and-Bungie-Services]Date of Birth Requirements[/url] article for more information and setup instructions.
If you are encountering issues after setting up Parental Controls, there might be an issue with the Parental Control settings on the platform you use to play. Please reach out to your platform's support team for assistance with troubleshooting your platform's Parental Control settings.