It's nice to see you here in the Community, Jake. I'll explain why the chat feature isn't accessible in your QuickBooks Online (QBO) account.
One possible reason for the chat feature's unavailability is due to support hours. I suggest contacting them during their active hours from Monday to Friday, 8:00 AM to 10:00 PM, and Saturday and Sunday, 8:00 AM to 6:00 PM.
For more details on our availability, refer to this link: QuickBooks Support.
You can also share your concern here in the Community, and we can look into it together. If it requires account verification, you can speak with our support team, as they have the tools to check on it.