I received my phone back after 11 days and here are the results after the camera module and upper board were replaced:
1. I can no longer take pictures of checks through my Chase bank app unless I place a halogen light about 10 inches above the check and even then it's not consistent. ( i never had problems before in any light setting) I spoke with three tiers of customer service at Chase until finally speaking with a developer. Their consensus was it was a hardware issue. .
2. While filming video the video changes tint from bluish to yellow. This occurs even while both the subject and the camera are not moving and the light is consistent.
3. When playing videos from the highlight folder, the videos flash nightmarish light schemes that the HTC rep assumed was the normal effects provided when you choose various songs for your highlight videos. I offered to send screenshot and was told there was no way they could receive them.
4. I also have experienced several phone calls where the sound was so garbled I could not determine what the other person was saying. (previously not a problem)
HTC has sent a prepaid label so that I can return the phone again but I decided to call ATT before I send it off. Because the phone is still in warranty they are sending me a refurbished replacement free of charge. Can any one tell me if they have had problems with refurbs? I worry the phone may have been built when the faulty camera was still being used and it may fail after 4 months of use like the first one did which would then put me out of warranty.