This has always happened, it's just rare, but it used to be worse in my experience. If all they did was insult your character and not you, that is quite tame.

When I started the game and was tanking level 50 and 60 dungeons for the first time many years ago before the rules changed, it was extremely common for someone to say something extremely insulting right before exiting. And it was about me, not my character's appearance.

But yes, if you report it and SE thinks it was rude, they will usually punish them for being rude.