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I've discovered that I'm having the same problem. I factory reset my phone because it was running slow and not multi-tasking well. Turns out I had a low memory issue because everything was being stored locally.
Unseated the SD card, formatted it. Factory reset the phone, reinserted/mounted the SD card.
Tried to take a picture ... and it told me that there were issues with the SD card and switching to local memory. Gah!
I love my phone ... AND upgrade not available until October ... AND I'm broke. We need to figure out how to fix this ... please!?
Oh ... and not terribly interested in rooting. With my luck I'll brick it.
Can you come up with $10 to $20? I would suggest trying a different MicroSD card, a brand name 16GB card is around $10-$12 on Newegg, and you can get a cheap 32GB card for $20, both prices with shipping. If you have factory reset and formatted the card in FAT32 (not FAT or exFAT) and it is still giving you problems there are only two possibilities, bad MicroSD card or bad phone hardware, and testing for a bad microSD card is way easier and cheaper than replacing the phone.
Rooting, or other software, is likely not the problem or a fix here... the stock ROM should have no issues using the microSD card.
I have definitely seen SD cards go bad, it isn't a common thing but where I work we support dozens of smartphones and a fair amount of other devices that use SD card technology (cameras, tablets, and telephone systems) and I have certainly seen more than one SD card go bad. For the cost it is a fairly cheap test to see.I've never experienced an SD card "going bad". The one I'm using is the first I've had in my phone, which I got November 2011.
Verizon is currently has "Open enrollment" in their $7/mo equipment coverage. I was told that for physical damage there's a deductible, but no deductible for hardware. I was also told that I didn't need to keep the coverage for any specified time. By it, use it, cancel it. Yes, a replacement would be refurb.
I may just go this route.
I have definitely seen SD cards go bad, it isn't a common thing but where I work we support dozens of smartphones and a fair amount of other devices that use SD card technology (cameras, tablets, and telephone systems) and I have certainly seen more than one SD card go bad. For the cost it is a fairly cheap test to see.
I was unaware the open enrollment in TEC was going on now, I thought it was usually in the March time-frame but whatever... it is a good deal, I wouldn't own a smart phone without it and I have used it more than once.