At about 4:18pm I noticed my phone's icons had changed in the notification bar and it tells me it has an update. I check and it turns out today is the day for Gingerbread. Well the instructions say it'll take 17-18 minutes to install, so I let it go ahead and do the install.
Just 17-18 minutes later it finished installing and rebooted, without me doing a single thing to the phone during the whole process. After a couple of minutes at the loading screen with the red thing in the middle, it rebooted. Then still sat there...and it has been on an endless cycle of this rebooting every like 5 or 10 minutes and doing NOTHING.
I tried holding the power button and it just reset it and did the same thing still, tried the power + home button reset and no change, and even took the battery out of the phone.
Looks like I gingerbricked my STOCK ANDROID charge!!!!! Thanks a lot verizon! Sitting in your store tonight while you fix this is just what I wanted to do.