On the EU cluster I play on, one player repeatedly makes entirely TOS-breaching comments in World Chat and is regularly reported for it, seemingly without any action having been taken as they’ve been doing it for a period spanning many months. The last time, a few days ago, the comments went into direct racism and antisemitism. These are things that the End User Licence Agreement / Terms of Use specify can cause immediate and permanent termination of the account and yet that player continues to spam chat every couple of days with this stuff.
The in-game reporting clearly isn’t working if open racism / antisemitism doesn’t even cause a suspension / chat squelch let alone a permanent banning.
Not in my experience. See above.