sending – I can’t access my blockchain funds like many have posted

I have been trying to days since I made a BTC purchase on Blockchain to send the funds to a third party wallet. I keep getting the similar message “insufficient funds”, which cannot be correct, I have tried every amount down to $10 up to the amount in my portfolio less the transaction fees and still get the same error message. I paid for the BTC with bank account and they took the money out the next day, I didn’t use a credit card so they got their money asap. Why can’t I access mine and what is the normal timeline for being able to send. I can trade, swap, or buy but can’t send. Makes no sense and CHAT is a joke. I wait and wait and then lose the chat screen all together.