Speed is only a small part of the connection quality recipe. Among other things: don't play over wireless. Don't have a lot of other network traffic happening at the same time, like streaming HD movies or shows. Don't use a VPN for gaming unless you are extremely sure about your ability to micromanage how it is set up, and even then you are going to likely bleed some speed off. At your speed disparity, you aren't on a real fiber setup the whole way from your wall to your ISP, so with as high as they have that signal boosted for downstream speed there is likely a good deal of jitter or even poor latency rates. I suggest looking through the tools available on dslreports.com and running a few, and not just when nothing else is running, use them while doing your normal internet usage like playing destiny. Most likely after a while your speed ramps down drastically, remember, the quoted speeds you pay for are the high end, best possible scenario, that is not what you are guaranteed to get at all times.