sonnyproche I'm not completely sure from your description, but it sounds like this is your issue:
https://answers.ea.com/t5/Bug-Reports/Reaper-s-Rewards-Grim-Icon-Visible-But-No-Quests-Available/td-p/14172664
If so, try deleting accountDataDB.package, in Documents > Electronic Arts > The Sims 4. If that doesn't help, please post in that master thread, including the information requested in the first post.
Here's a list of other known issues in case one of them fits better:
https://answers.ea.com/t5/Bug-Reports/READ-FIRST-Reaper-Rewards-Known-Issues-List/m-p/14176425