Nokia :: N97 - Resets And Lags And Music Corrupted

I'm not sure if this is common, but my n97 is running software version 20.2.019. I bought just recently and it was working fine for the first 2 months. Then i started having problems, like the usual resets and lags.

Lately my phone has been resetting more, my music is constantly corrupted, when i do play a podcast or a song it the audio will stop playing but the progress bar says the song is still going. I have also been having issues where when i restart my phone it doesn't recognize mass memory and all my media (photos, music) are gone. Backgrounds back to the original and all my apps on mass memory are gone. I check file manager and I it says memory in use. I also recieve Disk write error, retry or lose data message everytime i'm trying to download something into mass memory.

I don't really know what's going on with my phone, i've done the resets soft and hard and even reformatted my mass memory. I still get all these issues. It sees mass memory after a soft reset but then i turn off the phone and it doesn't detect it again. Is this normal with s60 v5? Or does my phone need to go back to nokia care?