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What is wrong with my samsung f480t?

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I have a samsung f480t and when I move photos to my memory card it says moving failed but when I move it the 2nd time it moves, then some of the photos don't load up on the card. I don't understand whats going on? I've tried a differnt memory card and it does the same things. Maybe its the phone? I've only had this phone for two weeks, I've paid $300 so this is really destressing me. Can anyone help me?