"Online play is blocked for this account"

All information about account suspensions can be found by logging in to
http://enforcement.xbox.com. From there, you can review the details of your suspension(s) and, if eligible, you may submit a case review.

A communication suspension globally mutes voice/messaging functionality on your account, but would still let you play multiplayer matches. The only things I can guess is that you either have a regular suspension, or there is a
privacy setting on your account that blocks you from going online for multiplayer.

Only 18+ accounts can play online. A minor's account is blocked by default from playing online

This is for both of you

Do your son's have mics for chatting?

I'm having the same problem, one son has access, the other doesn't. Any suggestions would be great.....

Hi Thmart, I hope you're doing great out there despite the issue that you're experiencing. I am an Independent advisor and I am here to help you in regards to your concern.

For you to manage it you can simply sign in to https://account.xbox.com/settings.

If the system detects that your account is a child account you will be redirected to a support site and if not you will be able to change it successfully.

If you were redirected to a support page, please sign in to https://account.microsoft.com/family and check if there is an organizer account linked to your account then use the organizer account so sign in to https://account.xbox.com/settings then "allow" the setting on this screenshot: