I’m frequently getting server rubber banding where characters just run in place, I can’t logout, or exit the game without ending task… but the chat window stays up to date. I can still chat with everybody, but can’t interact with anybody in game, and the game won’t even disconnect me. It just sits there in perpetual rubber band mode.
Your chat is technically on a different “Server”, so you can have fine connection to one, and show this in the world.
What that might be? Someone is likely going to post it’s the servers, but not noting that not everyone is currently experiencing this.
You could try checking the options under networking, there are just 2, optimize for speed and use ipv6.
Otherwise there is the trouble shooting page in support, check under connections. Short of knowing what you already tried, and what kind of connection and where, it’s really hard to troubleshoot a latency issue like this.