You are unable to use certain features because you are under the age of digital consent (13) or you entered an age under that. If this is wrong, and you are above the age of digital consent, you can go to the below link to have this corrected. You will need to provide identification to prove you are of age.
https://help.bungie.net/hc/en-us/articles/24217906958868-Date-of-Birth-Requirements-for-Destiny-2-and-Bungie-Services
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the problem being I can still use text chat and people can hear me in voice chat I just cant hear them also with that link it says that account that are under the age cant buy silver but I can still purchase silver on my account no problem