So the phone has no way of saving things to the sd card without downloading an app to do so???
Edit: ok so I backed everything up from my sd card onto my computer, I then put it back in the phone and formatted it. I still have the same problem. I can't save anything directly to it without downloading an app to do it for me and I can't access my pictures that I take from the phone. You can't even move the pictures from one folder to another without hooking it up to the computer first.