@audphile1 you are probably closest to the truth !
This morning, tried to play Spotify on JUST the phone speakers and the volume WAS set on zero. Even after i manually turned it up, would not even play on the cell phone speakers. After re-starting the phone, it WOULD play on the phone speakers.
So, now, i am thinking it is not the DAC at all. Something between my phone and Spotify... Android Motorola $85 special, lol.