UPDATE - This theoretically "Fixed" it for me for the moment (going to each server and moving all mail from the inboxes to a new folder called iPhone fiasco), but I don't know that's really a fix.
I have no idea what caused the iPhone to do this, and it can't be the servers, because they are all different on different hosts, and some that are corporations like embark/centurylink or gmail. It is definitely an iPhone issue.
Even when I delete emails, it still shows hundreds of emails in the red badge count and in the overall "inbox" on the iPhone even though when you look at the inboxes of individual accounts they are empty. When you trash emails, they appear to be gone from the inbox, but the count remains in the red badge and the overall "inbox"….. then after a while the trash will "download" a count of what I deleted. Meaning: the phone seems to have an enormous amount of time recognizing that emails have been moved from the inbox to the trash and then recognizing they have been deleted - many times putting the emails BACK into the inbox ⚠ If the overall inbox shows a count of emails, when you look, they are ghosted light grey in color, have crazy impossible dates (like 1969 or 2000) and say "no content" - but they remain in the inbox count.
For the record, I do not open weird emails or attachments so I can't imagine this is a virus - no idea where that would come from magically, since I was doing NOTHING with the phone all day - it sits on my desk waiting for me to leave! LOL!!!!!
I've never had any problem with my iPhones and this one is only 2 months old running the newest iOS. So weird!!!!!!!
I hope this helps someone else…..
Thank you all for helping me!