Very recently, I actually started getting charged for SMS messaging with Verizon.
When I first got my iPhone, and then iPhones, I was very explicit with Verizon that I did not want SMS messaging and that I would not pay any charges that they ever tried to bill me. I was informed by the, admittedly shocked, CSR on the phone that it was possible to block messaging on their system, and that it would not be possible for me to send or receive SMS messages . . . caveat emptor - except for the ones that Verizon sent to me from their system, for their purposes.
So, naturally, when these charges began showing up on my bill after the recent upgrade to iPhone 6 for both lines, I was a bit confused. The first month was only two message charges. I double-checked both iPhones to ensure that the magic little Send as SMS button had not been somehow re-positioned. I called Verizon and explained to them that I did not use SMS at all and that I had confirmed that the aforementioned button was properly set. They graciously credited my account for a $1.00, the smallest CR they could issue.
The next month, another $6.95 worth of SMS charges showed up on the bill. This got me considerably more worked up. I saw the next stop along this path at somewhere north of $50.00, which might have been doable given my partner's propensity to send text messages over having live phone calls, but I digress.
I rechecked both iPhones again. Send as SMS button still in the NO position, however, all of the suspect messages (both received and sent) were in a Group Chat. The three participants in the Group Chat were - my iPhone with 'Send as SMS' set to off, another iPhone with 'Send as SMS' set to on, and an Android phone. The Android phone began the Group Chat, the iPhone with 'Send as SMS' enabled sent the first response, my iPhone received both and somehow was able to respond into the Group Chat, sending an SMS message to both recipients.
Today, I had the time to log in to the Verizon portal and poke around a bit. I was at it for about five minutes when I happened upon a remote page that held the Verizon end of the magic checkbox Block Messaging, which dutifully and somewhat counterintuitively explains that ONLY SMS messaging (Video, Text and Picture) will be blocked, even though the ominous feature name conveys a rather confusing totality.
Once I rechecked this box, I called Verizon and explained what I had found. I also voiced my suspicion that this likely happened during the iPhone 6 upgrade process because it was after that when the problem began. The phone rep went and immediately processed a CR for the charges and informed me that the taxes will be computed off of the bill next month.
As a final test, I waited about 10 minutes and attempted to send a response into the Group Chat that seems to have been responsible for this incident and it no longer works. Problem solved.
I do believe this does point out either 1) a bug; or 2) an incomplete implementation of turning off 'Send as SMS'.
Hope this will be helpful to someone else.