This time, it was France chasing down the United States and Lochte, no less to win another riveting relay at the Olympics.
"We got our revenge," French swimmer Clement Lefert said.
With Phelps looking much stronger than he did the night before, the Americans built a commanding lead over the first three legs of the 4x100-meter freestyle relay Sunday and never really had to worry about the defending world champions from Australia.
When Lochte dived into the water on the anchor leg, he was a half-body length ahead of the field and looking to add another gold to his dominating victory Saturday in the 400 individual medley.
Not so fast.
Or, should we say, not fast enough.
Yannick Agnel, playing the chaser role that Jason Lezak did for the Americans four years ago in this same event, sliced through the water and was right on Lochte's shoulder as they made the flip at the far end of the pool. With about 25 meters to go, they were stroke for stroke. But Lochte, who had already competed in 1,200 meters of racing over the first two days, simply didn't have enough left to hold off the towering, 20-year-old Frenchman, one of the sport's real rising stars.
"I gave everything in the last 50 until he cracked," Agnel said. "In the last 10 meters, I saw that he was really cracking."
Agnel touched in 3 minutes, 9.93 seconds, having gone exactly 1 second faster than Lochte over the last two laps. Lochte and the Americans dropped to silver in 3:10.38, while Australia the favorite didn't even get a medal. Russia took the bronze in 3:11.41, edging the team from Down Under by 0.22.
Phelps settled for his 17th career medal and completed his collection of Olympic colors, adding a silver to his 14 golds and two bronzes.