Today, without warning, my phone stopped ringing at full volume, regardless of what settings I used. So, eventually, I figured I would do a hard reset......but nope, same thing. All system sounds, notifications, speakerphone, etc, work fine. When I go in to change the ringtone, it will actually preview the ringtone at full volume, so I doubt it is a bad speaker. Has anyone else experienced this? I have processed a warranty exchange, and am really hoping I don't get a refurb.