Adding my voice to the choir. ATT here, and having the issue, too. I finally decided to try a VPN yesterday, and it worked for the packet loss/rubber banding. Using the free tier of Proton VPN (they only ask for an email address, so low bar), so the speed/latency was still a little slower than before the ATT/NTT issue. Made the game playable (even PvP was decent) rather than me quitting because playing felt like pulling teeth.