My gf's phone has locked up on her multiple times...nothing works except pulling the battery. Actually she said it has been extremely sluggish from the "lock" screen a few times but eventually worked but just now it was completely froze. Had to yank the battery, it did this before she even added any apps the first time so I'm highly doubtful of it being caused by 3rd party apps. On the flip side I have a bunch of 3rd party apps on my phone and so far nary a hiccup from it...hopefully it stays that way. I have ATM Free on my phone and have had zero issues...gf has it on her phone and has had issues. I don't think it is that app specifically as we both have the OTA update but only one of us is having problems...so far.