I did a factory reset and it's still not working.
I did take off my case and now there's some audio, but it's all a low static. I call a vm I have and start talking with speaker off and it's fine, then I turn speaker on and I get all static and hissing and can't hear myself at all.
I don't see how it could be hardware, but I guess it's possible. Sure seems like a system bug, but someone in the Verizon forum reported it's working, so I guess not.