Hi Spzee,
If you're using something like speedtest.net, there's a good chance that one of the networks the test is hosted on is a network Verizon is allowing peering points to be congested with. I've been a customer since 2008 and everything's been great up until Q1 of this year. Since then, everything seems congested and packet loss is just terrible on a regular basis.
Long story short... it's not just you.