Hello dwyane258!
Thanks for reaching out to the Apple Support Communities. We know how important it is to be able to use all the features on your new iPhone. We're happy to see how we can help.
You've done some great troubleshooting up to this point. To begin, verify that your iPhone is up-to-date with the latest version of iOS 15. You can do this by following the steps in this article: Update your iPhone, iPad, or iPod touch.
Next, take a look at the steps in this article to be sure that you've covered all the basics: Use your iPhone or Apple Watch as a car key.
If you're still receiving the same error message after completing those steps you'll want to reach out to the Apple Support phone advisors for more help. This article will provide you with a list of Apple phone numbers from around the world: Contact Apple for support and service.
Cheers!