It could have been an issue with the update. I would take it into Verizon and have them flash the current sbf to see if reinstalling the update cures your problem. Some times if the update doesn't download properly it can cause problems. If you have rooted your phone make sure to unroot and delete any root apps you put on your phone as it voids your warranty.
Vzw should be able to get you up and running w/o a referb phone.
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