OK - just to final this one out ...
Went to Verizon store today - got a new PIN, and store solved a few things - but still could not address the over-billing. And turns out, it reverted to a ten year old address and sends the bill there - no wonder I don't get it, and had a e-mail address that is not mine for e-billing. How, no idea, as I've had this one for at least fifteen years.
So, Verizon tech gives me a phone to call (611 and punch 000 ) and address the billing issue - go back into the parking lot right down the street from T-Mobile, call the number, explain the billing issue - three months old by now - and she says: I can only collect the money, not do anything about the over bill. Wants to send me directly to a "fix it" agent. I tell her, if you put me on hold for more than one minute, I'm gone and will open T-Mobile account. At the time, was sitting in T-Mobile parking lot ... she says, OK ... ON hold comes up, "We're experiencing unusually long wait periods for CS" which is a robot I've been hearing for a few months whenever I do get in.
Went inside T-Mobile, walked out with a T-Mobile account with a new phone - A little more than what I paid at Verizon, but with phone, email, internet, and hotspot - which I can use enough to make it worth it. Could have had less, but can use the services.
But this entire episode was more about CS than money, or monthly fees, it was about hours and hours on-hold with NO results. That's it guys - end of this tale ... thx for advice along the way. :) :) Monkey44 and the Magic Genie ...