I had this problem occur over a week ago, traveled home for the Holidays (no Apple Store nearby) and finally had a chance to go into a store yesterday. After seeing all of the responses and this thread continuing to grow I was expecting to go in and get my phone swapped. No luck. The tech insisted I do a restore. Not just one from a back up either but a full clean restore. That was frustrating because I had already done this twice in my own to try to resolve the issue With no avail. she assured me that while she's never heard of the problem she was able to perform a restore and add her cards back. I was skeptical, but didn't have too much to time to argue. Thought I'd give it another shot that evening. Got home. Did a full new restore. Guess what. Nothing. Same issue. So I'm going back tomorrow First thing in the morning. Demanding a swap. Everyone should do the same. Make sure they read this thread If they don't want to do a swap And then ask to speak with a manager. Don't waste your time. Most Genius' have been around for a while and are old school, but some newer ones (as I suspect I was assigned today) follow the book to a T so much that they miss the whole point of their job.
Also, getting a refurb phone is no big at Apple. They have the best refurb products our of any company and basically replace almost every single part on the phone. Chances are the phones they are handing out now are indeed new, but just wanted to throw that out there. They usually capture most defective units for testing for several months following a new release In order to test. I used to work at Apple, so the best thing we all can do is make sure this issue becomes known In every way possible. I just hope this can be resolved via a software update, because this glitch doesnt seem to be too serious other causing some major inconviences for people.
Good luck everyone.