Is the error message "Due to org policy changes, this chat is no longer available. Continue with skype for business".?
The cause of this issue may be:
BVD is not correctly reflecting the senders Skype for Business account as online and sip enabled. The Teams client code will therefore evaluate the user as being an Skype for Business on-premises user, in which case external (federated) chat is blocked with message to use Skype for Business.
Resolution:
If SfB Online settings are correct but BVD is not, use Force Sync to force synchronized LyncAD -> BVD.
If SfB Online settings are not correct, have Tenant Admin resolve.
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