I spoke with a Apple rep who escalated this up a level and he asked me to delete the Garage band ringtones and then recreate them to see if that worked. I did two versions: First, I created a 28 second ringtone but when I saved it I got a message that it was too long and would be automatically shortened which I did. Second, I created a 25 second ringtone that didn't need to be shortened.
The results with either version were the same as before, it occasionally reverts back to the default ringtone (Reflections).
Please tell me I'm not the only customer with this problem, it is annoying.
Thanks...