I should have pointed out a couple of things:
I use Windows 11
I use a Centrance DacPort HD
So far my problems happen when the DacPort is plugged in. Maybe 1 in 10 to 1 in 15 times the errors occur. SO FAR unplugging the DacPort, receiving the call, then plugging the DacPort back in has worked. I will keep experimenting and let you know if this “fix” holds true.