Extremely simple: If your rules didn't specify you can get loot banned from RL disrespect, you changed raid rules in middle of the raid, which can be reported as it qualifies as ninja.
Reporting Players [Updated: August 13, 2025]
Them getting EoF has no whatsoever weight in this.
Loot bans aren't against rules, but all people in the raid needs to know what can get you loot banned, it needs to be clear enough. "Loot bans at my discretion" isn't specific. "Loot ban for failing a raid mechanic that results in raid wipe, such as not moving away from orange ooze during PP fight causing a wipe" is specific enough. That loot ban failing on PP tactics also only counts for THAT boss, not any else. There's no "you failed on PP so you're now loot banned and can't roll on DBW."
Do note that if you kick people and bosses have been killed, you need to roll the items they are eligible for, too.