I had this problem too, starting when crossplay came out. I fixed it by changing my setting on my cross save account. My PS4 chat was on but would work so I went to my stadia account and realized chat was off on that (I never play on stadia) so I turned it on and then it worked for my ps4. I had to wait like a certain amount of time after the last time I bought silver or something like that. It was confusing. But hopefully that helps.