I am having the exact same problem, and so is everyone else I know that has the same phone. It all started about a week ago. It no longer insert punctuation marks, instead it writes out the entire word. And it is happening with both Samsung text to speech, and Google text-to-speech. It's making my work take at least four times as long because I dictate my work into my phone all day long, and now I have to go back in and erase all of these words, and put in the punctuation marks. If someone can figure this out, you will be my hero forever!