I just went online to pay my monthly cell phone bill and saw that it was only about $10, instead of the expected $95 or so. That is because I got an $85 credit for my "MBA Surety Settlement". I just Googled and see that it was for some unfair data utilization charges that AT&T had accrued. I don't deliberately use any data, and the only reason I even have any data charges at all is that when my 2G phone broke and I purchased an inexpensive 3G phone, AT&T did me a favor by "upgrading" my billing plan without my authorization, which they notified me of by e-mail. When I called them a month later to cancel the data part of the plan, they said they couldn't do that because my new phone was data capable, and so I told them I had another 2G phone that I wanted to switch to, but they told me that their 2G service had been deactivated and that they could no longer support that model of phone. Recently, I borrowed a unit of the very same 2G phone - which was on AT&T - from a customer of mine and used it in the same city I lived in and it worked just fine. I didn't bother to call AT&T to demand that they activate my old phone, however, because I had just purchased a used, data capable 3G phone on eBay that has a touch screen and that I anticipated activating shortly. On the internet, I searched for MBA Surety Settlement, and found that many others were surprised by this credit on their bill as well. I'm sure we were all notified of it by mail, but I always throw anything I get from phone companies and banks and credit card companies in the trash, because generally they are just changes in terms of service that are going to screw me out of a few dollars starting next month, but I just don't get any return on the value of the time that I would have spent reading them. Since the other customer reports I have read regarding unanticipated credits run from $10 to $30, I guess I got screwed by more than most people did.