Yes, you should take it into a VZW store and let a tech have a look.
I've had a few issues w/ my phone and I had to factory reset it twice (my first smartphone, there's a learning curve). Both times, I never lost anything on my SD card. It will basically put it back in the mode it was when you pulled it out of the box the first time. It will erase just about every app that's not pre-installed on the phone.
To do this go to Settings > Privacy > Factory data reset