[aiharkness]

From your account, you bought a name brand product from a reputable source. I doubt the card is really faulty. You can put it in a computer and error check it, and I bet it will be fine. That leaves hardware, software, and user error.

User error would be something like pulling the battery when the device is writing to the card. I don't think that would damage the card, however, but just leave lost clusters.

If you have been handling the card, you may have damaged it.

If you have some other cards, try them. If the device reacts to others same way, then more reason to suspect the device.

It could be a hardware problem. Depending how you have treated the device, and whether you have other symptoms, you may tend to suspect a hardware problem either more or less. If you tend to drop the device a lot, suspect hardware problem more.

But as I said above, reinstalling the OS (and testing before you do anything else) will rule out a software problem. If the problem is present with multiple cards that you believe are good, and still present after reinstalling the OS, then the most likely probelm is the device itself.
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