[joefro21]

Sometimes you need all settings redone, ie any prls and other data you loaded... discovered RTN from post on s4guru.com

"A ##72786# should require the MSL to work. It wipes out all network programming on the phone without wiping out any customer information. Essentially it is the first have of a full ##786# (RTN - Return To New) which takes EVERYTHING back to stock. It will then make the phone to re-do the OTA activation that it did originally when it was first turned on (because it isn't activated anymore), updating network profile, PRL, firmware update check, etc.

This may help, but it just as easily could be network-related, not your phone."

Worked for me when factory reset did not change settings back to normal. just an fyi