Well, the bottom line is that unless you go with someone using a third party biller (ccbill, ibill, jettis), you have NO WAY of knowing or proving shaving is going on short of getting a lawyer. (Even then it would be a long shot.)
The 3rd party billers can be a pain and not as slick sometimes, but if you need to have that doubt removed-- thats the way.
The answer to any statistic you bring up is what everyone else said-- they fluctuate....you had an off day....happens to all of us...etc etc. I don't always like it, but I tend to stick with the sponsors using outside billing just for this reason.
