took it in and got a new phone. It is great now!
Even at the Apple Store the battery tested fine but the problem persisted. Finally got them to see the drain and was able to get the replacement after a few days and another visit.
New Phone has had no battery issues at all. I am sure the old one had a chip issue but who knows what it was.
Restored with Icloud backup so same system is running as before so it was not software.