Looking at the data usage on line is what is being charged to your account.
A better option would be to get a data monitor App ( I have used 3G watchdog, and it seems to work pretty well) it logs your totals by the day on your cell data (3G or 4G, and wifi separately. It updates in real time.
That might be closer to the truth about the phone's data use. If it still leaks, reset to factory. load the data monitor, and no other apps, go to your account and turn off sync to get a baseline, then turn on synching, mail, calendar and contacts, one at a time, and then set up your Apps one by one, until you find the offender
If you are using the gmail app, your data use should be minimal. I have a gmail account with email, contacts and calendar all push synching unrestricted, and I am lucky to break 1 G per month, (for all data) and I am a heavy mail user for my business. if you are using the mail app, it will depend on lots of variables, mostly how often it checks for new mail.
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