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Yea. Download the free app in the market. "My Account"
It's a Tmo app and it shows you... well it's an official tmo account so yea.
Anyways, when you open it up, it'll show you how much data you used. If you used 5GB, it tell you that "You've used a lot of data and that your data is being slowed for the remainder of the network"
It'll tell you that your bill may be due 21st but things don't reset until the 25th. (my case).
If that's not the problem, I've been told that Tmo upgraded their network and that you need to get a new SIM card. SIM cards cost about $30 but you should be able to get it for free. Depending on how friendly the reps are. I got my 3G SIM card for free (I had an older SIM card) but a different Tmo store tried to charge me for the 4G SIM card. I haven't tried the one by my house, but yea. Just a heads up.
Other than that... I don't know...