what to do when someone quits and doesnt resign?


Not sure what time controls you are playing, but I play a lot of 15/10. There are instances when there are connection issues or times when the opponent may take a long time to move. I have also taken a long time to calculate when I am in a bad situation. I have only played a couple hundred games, but I just chill and wait. I haven't run into a lot of stallers other than sometimes toward the very end when I am about to mate and they choose to lose on time other than by mate. Grab a snack, use the restroom, pet the dog or cat, check your phone or whatever.

If it happens a couple of times there is no punishment so a report doesn’t hurt so you don’t have to worry. If they player is violating fair play, then the report helps to establish a pattern of behavior.
So always report.

I sometimes get bored and leave but honestly I'm just scared for my chess.com account because I don't remember resigning and I think I may get reported or banned... (I hope not)

Just came back to playing after a long time and honestly im probably going to play somewhere else. This is not a rare thing, this happen game after game after game.
My thought is players resort to stalling hoping you will quit or disconnect. I also think they may be seeking advice or consulting an engine, when they are in a difficult situation. I truly hope that isn’t the case. Reporting them no longer seems to help anymore.
I played a game a while ago where my opponent made two moves after the opening and then didn’t make a move for another 15 minutes. Anyway, it’s very frustrating and should be addressed.
I don/t want to lose my rating points (I have like 800 now) so what is there to do to ensure I win? If i have more points but my timer runs out first what happens? Do i just need to keep an eye on the screen just in case my opponent decides to come back for those 20 straight minutes? What ratings do you guys have?