Hi there . Before you go and remove everything i have had this if the card does not load correctly so try a reboot in flight mode first . There is still an issue with the galaxy note 3 were as if you boot with the sd card still in the machine goes to bootloop !!! and only flight mode is the way around from what i know . Other than that yes you need to format and just leave a back up on the pc just in case or you need to root the phone and with ttitanium backup you need to stop indexservice from running as this is the problem . This scans the sd card and indexes them however if there is one corrupt file on the card this stops running and so then eats battery then corrupts the card . Hope this helps .