If you are using an overclocking app to monitor temps on screen like MSI Afterburner or EVGA's Precision software and are having them display the info on screen in an overlay that can be picked up by Bungie's app and trigger a ban since they are injecting a hook in the memory to display the temps/clocks of your hardware on screen. Always disable on screen display when playing Destiny 2 on PC.
it could also be caused by a poor or intermittent internet connection. If you are using WiFi I strongly suggest running hardwired to your modem.
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I use CAM software from NZXT for my CPU and GPU temps and FPS to be dispayed on the screen when i play but it doesn't work on Destiny 2 .. and i didn't turn it off when i played ! It seems that i find my Ban reason .. that or the Logitech software that I think it makes problems and flag people as well as cheaters.. i know that The Division 2 had some problems with it and people couldn't play because of that !
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As a game developer I doubt OP would be stupid enough to use Wi- ... no, wait... scratch that.
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Not a game developer, and no, I don't use WiFi.