INSTEAD of us guessing look at the bill online? I have Verizon... when I first signed up I was amazed when I saw my first bill balance then while looking at the charges it made more sense.
Look for activation fees. Were they promised to be waived? Probably not. Most carriers activation fees are $35.00 unless you sign up under some promotion. If they were promised to be waived take your copy of the contract and go see the retailer where purchased! They can handle it. If they refuse to call in or go to the Official Verizon retail store.