Wow! You won't believe I was having the same problem as I read your post. I think I have found the fix for this. I was curious to see if I even had an sd card installed, so I opend up the phone, removed the battery and there it was. Just by chance while I was removing and inserting the card several times, at one point I happened to inadvertantly push a locking button located just above where the card is inserted. Hard to see, but there are also instructions in the battery compartment. This fixed my problem. Hope this helps someone.