Odd Question On In-Game Chat

This morning I had access to the in-game chat. Now, in the evening, I've randomly lost access to it and I've restarted my game (which usually fixes this) but to no avail. An article did pop up saying that accounts younger than 16 years old are considered underage, but a week ago, I read an article that says younger than 13 is considered underage. Other than 2 contradictory articles, nothing else tells me what the issue is, though the only thing I am certain of is that I am definitely older than 13.

If the issue is truly age, does anyone know why I had access to the chat originally?