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Because your device volume is not turned up. In the future, it would help adding details like what vehicle you are referring to, if your system is OEM or aftermarket, what devices you are using to listen to your music, you know, little details we have no idea about....
Fm and SD card about the same as XM. Have never used AUX. I Bought it 3 months ago. It has been this way since then. USB and Bluetooth are both being fed from Iphone.