They will NEVER tell you. Bungie don't give two f*cks about us. I had Destiny 2 running in the background while playin Horizon Zero Down and I was stuck so got a trainer for HZD and yes it was my own stupidity having D2 still running and literally forgot about it, so the ban is totally my own fault, but they never notify you that you were banned, why you were banned as you can still play for a day or two before the ban happens, and they honestly have a horrible appeals process and couldn't care less what the reasons are, because they 99.9% of the time reply that they are closing the ticket and will open it again in the future if they need more info. They take your money, then ban you. I am sure the process would be a little different if consumer protection agencies allowed everybody that was banned to request full refunds. But a word to the wise. Do NOT run any software for any other game while Destiny 2 is running because you WILL lose your account and they will not bother to review it because they are convinced that their automated ban process run by a robot "that is always reviewed by a human" will take away your hours of work and all your stuff and not care f*ckall.