Hey thruhoops4u,
We would like to to check one of the Accessibility settings, if you haven't already, along with a couple of additional steps.
To begin, try these steps found in Route and automatically answer calls on iPhone - Apple Support and see if this feature is turned on. If so, you will want to turn it off.
Route and automatically answer calls on iPhone
You can automatically direct the audio of phone or FaceTime calls to the iPhone speaker, a Bluetooth headset, or your hearing devices. iPhone can also automatically answer calls after a specific duration.
1: Go to Settings
> Accessibility > Touch > Call Audio Routing, then choose an audio destination.
2: Tap Auto-Answer Calls, turn on Auto-Answer Calls, then set the duration of time before the call is answered by tapping
or
.
If you had to turn off this feature, then Restart your iPhone - Apple Support.
After restarting, test to see if the calls still auto answer. If you see no change, then follow the steps here to reset your network settings. Just be sure you have any Wi-Fi passwords that you may need, or VPN settings if using VPN before performing this step.
Reset your network settings
If you're using iOS or iPadOS 15 or later, tap Settings > General > Transfer or Reset [Device] > Reset > Reset Network Settings.
If you're using iOS or iPadOS 14 or earlier, tap Settings > General > Reset > Reset Network Settings.
This also resets Wi-Fi networks and passwords, cellular settings, and VPN and APN settings that you've used before.
If you have tried all of the above, and still no change, you will want to reach out to Apple Support.
Good luck!