Hello Bob13018,
It appears that your iPhone XR is not ringing as expected when receiving a call. We understand that you've verified your settings. However, to ensure that we're covering all of all bases. lets check the following as well:
"Follow these steps
- If your device has a Ring/Silent switch, move the switch forward—toward the device's display—so that orange isn't showing. If you're using an iPad, you can also swipe down from the top-right corner to open Control Center and make sure that Silent Mode is off.

2. Open Settings > Focus > Do Not Disturb and make sure that Do Not Disturb is off.
3. Remove all screen protectors, films, or cases from your device.
4. Check the speaker opening to see if it's blocked or dirty. On iPhone only, make sure that the receiver isn't blocked or dirty.
5. If necessary, clean the speaker or receiver opening with a small, soft-bristled brush. Make sure that the brush is clean and dry.
6. Go to Settings > Sounds (or Settings > Sounds & Haptics), and drag the Ringer and Alerts slider back and forth a few times. If you don't hear any sound, or if your speaker button on the Ringer and Alerts slider is dimmed, your speaker might need service.
7. If you hear sound, try making a call with your iPhone and turn on speakerphone. On iPad or iPod touch, make a FaceTime call. If you still can't hear, or hear static or crackling, then your network or reception could be the issue. Try to call again later, or from a different location."
More details here: If you hear no sound or distorted sound from your iPhone, iPad, or iPod touch speaker
If the issue persists, we suggest that you reach out to Apple directly. You can follow this link to connect with them: Get Support
Thanks for reaching out in Apple Support Communities.
Best regards.