Same problem here, both with versions iOS4 and iOS4.0.1. White apple of death on black screen, randomly from about 3 minutes into a call, but once when not on a call but simply listening to iTunes in the car.
Tried switching off 3G, tried changing localisation info (using English OS and internationalisation parameters on French SFR network), tried switching off Bluetooth, tried switching off Wifi, tried rebooting phone, tried re-installing several times : none of these has cured the problem.
I would happily revert to OS3 if able to do so. First time with Apple, risking being the last.