Just wanted to share a story just in case anyone else is having the same issue. I noticed a couple days ago a black circle that showed up on my camera that could not be rubbed off externally. I zoomed in and it would disappear only to come back when I zoomed back out. I took photos and the black spot was there on the photo. Almost like I had a speck of dust stuck in the lens. I shot over to the nearest Apple store and they replaced it on the spot with a brand new phone. No hassle, no problems. While I do have AppleCare+, this didn't cost me a dime as I assume it's still in the 90 day warranty period.