I know this is an ancient thread, but the iPhone 3G did not tolerate poor quality power supplies very well. If you were using a cheap wall charger with a poorly regulated output voltage, the iPhone 3G could show the "charged" icon when it shouldn't. This is because the iPhone thinks that it's done charging when in fact it just has an unstable input voltage. As one of the posts mentioned, the iPhone's battery is actually draining quickly when this failure happens.
I think this problem is unique to the iPhone 3G. I have not observed it with the iPhone 3GS. But this kind of failure is why it actually is smart to pay a little extra for a "Works with iPhone" or "Made for iPhone" charger.