Solved
Matchmaking
Matchmaking is completely unfair pairing you with rivals that have 118 ovr while you’re at 110-114
there are some known issues with matchmaking where if it can't find a match relatively quickly it casts the net quite wide ... which occasionally ends up with you facing players in much higher divisions.
that said, matchmaking is division based, not OVR base, so it is possible that the player you are facing are working their way the divisions (i don't start playing VSA until a couple of weeks in as that way the whales have already gone through)
