Slower Internet Speeds than what I am paying for

Paying for super fast up to 800Mbps internet and have never reached a speed over 100Mbps download and 24Mbps upload. I have been running speed tests over 6mo and all the same around 87Mbps. I removed any splitters and even installed a new cable from the drop outside the house straight to my Motorola MG8702 which is rated for these speeds and approved Xfinity device. I am testing through Ethernet connection to a Surface Pro (2 feet away). Testing wifi on my Cell phone, 5 feet from the router, and it was getting around the same or slower. Looking like Xfinity is throttling service? Also tested with Nord VPN (just set up couple days ago) and same results.