I have an iPhone 11 Pro Max or whatever. I have reset my network settings. There are five of us in this house. All have same issue. Whether inside or around town, 50849 zip, our download is under 1Mb normally around 200Kb and upload is around 10Mb. Four bars or three. Does not matter. Been like this for MONTHS.
Also NONE of us have hit our limits and it works better in Des Moines than here. I can get 100Mb in some locations farther away from my little town. Here it’s always slow. Can’t even play Spotify reliably