I hope this is not considered taking the thread in a wrong direction but since the thread is labeled just "Folders", I'll take a shot and if it is considered hijacking just let me know and I apologize ahead of time.
The question I have is how do you send things you've downloaded into those folders you've created?
This stems from an issue I had concerning overriding the default alarms on the phone and I was told to create a folder labeled "Alarms" and then put whatever alarm tone I've downloaded into there and the phone's default system will recognize it and allow you to choose it.
But when you go and get ring tones, alarm tones, etc. from the Verizon store or Zedge, you don't have the option of where to download them to. You just select your tone and hit download and off it goes into where I don't know.