diff --git a/src/app/features/settings/notifications/AllMessages.tsx b/src/app/features/settings/notifications/AllMessages.tsx
index da80cc80..f12d3ece 100644
--- a/src/app/features/settings/notifications/AllMessages.tsx
+++ b/src/app/features/settings/notifications/AllMessages.tsx
@@ -6,9 +6,11 @@ import { AccountDataEvent } from '../../../../types/matrix/accountData';
 import { NotificationModeSwitcher } from './NotificationModeSwitcher';
 import { SettingTile } from '../../../components/setting-tile';
 import { SettingsSection } from '../SettingsSection';
-import { getPushRule, PushRuleData, usePushRule } from '../../../hooks/usePushRule';
+import { getPushRule, PushRuleData } from '../../../hooks/usePushRule';
 import {
   getNotificationModeActions,
+  getNotificationModeFromRule,
+  loudestNotificationMode,
   NotificationMode,
   useNotificationModeActions,
 } from '../../../hooks/useNotificationMode';
@@ -63,33 +65,42 @@ function AllMessagesModeSwitcher({ pushRules }: { pushRules: IPushRules }) {
   const mx = useMatrixClient();
   const getModeActions = useNotificationModeActions();
 
-  // Use the DM rule as the representative selected state — all four are kept in
-  // lockstep so any of them reflects the consolidated mode.
-  const representative = ALL_MESSAGE_RULES[0];
-  const defaultRepresentative = getAllMessageDefaultRule(
-    representative.ruleId,
-    representative.encrypted,
-    representative.oneToOne
+  // The displayed mode is the loudest across all four rules, with each rule's
+  // mode factoring in whether the server has it disabled (so a disabled rule
+  // reads OFF rather than echoing stale loud actions).
+  const selectedMode = useMemo(
+    () =>
+      loudestNotificationMode(
+        ALL_MESSAGE_RULES.map(({ ruleId, encrypted, oneToOne }) => {
+          const { pushRule } =
+            getPushRule(pushRules, ruleId) ?? getAllMessageDefaultRule(ruleId, encrypted, oneToOne);
+          return getNotificationModeFromRule(pushRule);
+        })
+      ),
+    [pushRules]
   );
-  const { pushRule } = usePushRule(pushRules, representative.ruleId) ?? defaultRepresentative;
 
   const handleChange = useCallback(
     async (mode: NotificationMode) => {
       const actions = getModeActions(mode);
       // Fan the choice across ALL four underride rules so encrypted rooms never
-      // silently fall out of sync.
+      // silently fall out of sync. Also (re-)enable each rule: a server-disabled
+      // rule otherwise ignores the new actions and stays silent.
       await Promise.all(
-        ALL_MESSAGE_RULES.map(({ ruleId, encrypted, oneToOne }) => {
+        ALL_MESSAGE_RULES.flatMap(({ ruleId, encrypted, oneToOne }) => {
           const { kind } =
             getPushRule(pushRules, ruleId) ?? getAllMessageDefaultRule(ruleId, encrypted, oneToOne);
-          return mx.setPushRuleActions('global', kind, ruleId, actions);
+          return [
+            mx.setPushRuleEnabled('global', kind, ruleId, true),
+            mx.setPushRuleActions('global', kind, ruleId, actions),
+          ];
         })
       );
     },
     [mx, getModeActions, pushRules]
   );
 
-  return <NotificationModeSwitcher pushRule={pushRule} onChange={handleChange} />;
+  return <NotificationModeSwitcher selectedMode={selectedMode} onChange={handleChange} />;
 }
 
 export function AllMessagesNotifications() {
diff --git a/src/app/features/settings/notifications/NotificationModeSwitcher.tsx b/src/app/features/settings/notifications/NotificationModeSwitcher.tsx
index 3b10509a..69ba081e 100644
--- a/src/app/features/settings/notifications/NotificationModeSwitcher.tsx
+++ b/src/app/features/settings/notifications/NotificationModeSwitcher.tsx
@@ -1,8 +1,7 @@
 import { Box, color, config, Icon, Icons, IconSrc, Spinner, toRem } from 'folds';
-import { IPushRule } from 'matrix-js-sdk';
 import React, { useMemo } from 'react';
 import { useTranslation } from 'react-i18next';
-import { NotificationMode, useNotificationActionsMode } from '../../../hooks/useNotificationMode';
+import { NotificationMode } from '../../../hooks/useNotificationMode';
 import { AsyncStatus, useAsyncCallback } from '../../../hooks/useAsyncCallback';
 
 export const useNotificationModes = (): NotificationMode[] =>
@@ -33,14 +32,18 @@ const useNotificationModeStr = (): Record<NotificationMode, string> => {
 };
 
 type NotificationModeSwitcherProps = {
-  pushRule: IPushRule;
+  // The group's consolidated mode (loudest member, factoring server-disabled
+  // rules). Controlled by the parent — the switcher no longer reads a rule.
+  selectedMode: NotificationMode;
   onChange: (mode: NotificationMode) => Promise<void>;
 };
-export function NotificationModeSwitcher({ pushRule, onChange }: NotificationModeSwitcherProps) {
+export function NotificationModeSwitcher({
+  selectedMode,
+  onChange,
+}: NotificationModeSwitcherProps) {
   const modes = useNotificationModes();
   const modeToIcon = useNotificationModeIcon();
   const modeToStr = useNotificationModeStr();
-  const selectedMode = useNotificationActionsMode(pushRule.actions);
   const [changeState, change] = useAsyncCallback(onChange);
   const changing = changeState.status === AsyncStatus.Loading;
 
diff --git a/src/app/features/settings/notifications/SpecialMessages.tsx b/src/app/features/settings/notifications/SpecialMessages.tsx
index 631e02d7..dcdea0cc 100644
--- a/src/app/features/settings/notifications/SpecialMessages.tsx
+++ b/src/app/features/settings/notifications/SpecialMessages.tsx
@@ -8,14 +8,11 @@ import { SettingsSection } from '../SettingsSection';
 import { useMatrixClient } from '../../../hooks/useMatrixClient';
 import { useAuthedUserId } from '../../../hooks/useAuthedUserId';
 import { getMxIdLocalPart } from '../../../utils/matrix';
-import {
-  getPushRule,
-  makePushRuleData,
-  PushRuleData,
-  usePushRule,
-} from '../../../hooks/usePushRule';
+import { getPushRule, makePushRuleData, PushRuleData } from '../../../hooks/usePushRule';
 import {
   getNotificationModeActions,
+  getNotificationModeFromRule,
+  loudestNotificationMode,
   NotificationMode,
   NotificationModeOptions,
   useNotificationModeActions,
@@ -110,25 +107,38 @@ function MentionGroupSwitcher({ pushRules, group }: MentionGroupSwitcherProps) {
   const mx = useMatrixClient();
   const getModeActions = useNotificationModeActions(NOTIFY_MODE_OPS);
 
-  // First rule in the group is the representative for the displayed mode; all
-  // rules in the group are written in lockstep.
-  const representative = group[0];
-  const { pushRule } = usePushRule(pushRules, representative.ruleId) ?? representative.getDefault();
+  // Displayed mode is the loudest across the group, each rule factoring in
+  // whether the server has it disabled.
+  const selectedMode = useMemo(
+    () =>
+      loudestNotificationMode(
+        group.map(({ ruleId, getDefault }) => {
+          const { pushRule } = getPushRule(pushRules, ruleId) ?? getDefault();
+          return getNotificationModeFromRule(pushRule);
+        })
+      ),
+    [pushRules, group]
+  );
 
   const handleChange = useCallback(
     async (mode: NotificationMode) => {
       const actions = getModeActions(mode);
+      // Write actions AND (re-)enable each rule in lockstep — a server-disabled
+      // mention rule otherwise ignores the new actions and stays silent.
       await Promise.all(
-        group.map(({ ruleId, getDefault }) => {
+        group.flatMap(({ ruleId, getDefault }) => {
           const { kind } = getPushRule(pushRules, ruleId) ?? getDefault();
-          return mx.setPushRuleActions('global', kind, ruleId, actions);
+          return [
+            mx.setPushRuleEnabled('global', kind, ruleId, true),
+            mx.setPushRuleActions('global', kind, ruleId, actions),
+          ];
         })
       );
     },
     [mx, getModeActions, pushRules, group]
   );
 
-  return <NotificationModeSwitcher pushRule={pushRule} onChange={handleChange} />;
+  return <NotificationModeSwitcher selectedMode={selectedMode} onChange={handleChange} />;
 }
 
 export function SpecialMessagesNotifications() {
diff --git a/src/app/hooks/useNotificationMode.ts b/src/app/hooks/useNotificationMode.ts
index df90f647..b2f9adb6 100644
--- a/src/app/hooks/useNotificationMode.ts
+++ b/src/app/hooks/useNotificationMode.ts
@@ -1,4 +1,4 @@
-import { PushRuleAction, PushRuleActionName, TweakName } from 'matrix-js-sdk';
+import { IPushRule, PushRuleAction, PushRuleActionName, TweakName } from 'matrix-js-sdk';
 import { useCallback, useMemo } from 'react';
 
 export enum NotificationMode {
@@ -66,3 +66,17 @@ export const useNotificationActionsMode = (actions: PushRuleAction[]): Notificat
 
   return mode;
 };
+
+// A rule the server has disabled is effectively OFF regardless of its stored
+// actions — without this the UI reads loud actions on a disabled rule and
+// claims "On" while nothing actually fires.
+export const getNotificationModeFromRule = (pushRule: IPushRule): NotificationMode =>
+  pushRule.enabled === false ? NotificationMode.OFF : getNotificationMode(pushRule.actions);
+
+// The mode shown for a consolidated group of rules is its loudest member, so a
+// partially-muted group doesn't misreport as fully off (mirrors Element).
+export const loudestNotificationMode = (modes: NotificationMode[]): NotificationMode => {
+  if (modes.includes(NotificationMode.NotifyLoud)) return NotificationMode.NotifyLoud;
+  if (modes.includes(NotificationMode.Notify)) return NotificationMode.Notify;
+  return NotificationMode.OFF;
+};