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Try using another SD card to see if that one will read. If so, there is a problem with your SD card. But if that card is also unable to be read, and your phone is fully updated, there is a problem with the reader on your HTC handset. You can contact HTC for a repair or a replacement. You might even have some luck at the retailer where you originally bought your phone. It's a fairly new model.
Here's HTC's number:
866-449-8358 6am-1am Eastern Time
this is what i did, and it worked perfectly. go out and get a sd card * any gig u want* as soon as u put the sd card into the camera, FORMAT IT!!!!. do that before u do anything else. don't format it on ur pc or laptop. format it on the camera. if u do that it will work perfectly. i don't know why it wasn't in the manual to format sd card first. but if u try to take pics first, that will mess up the entire system and u will be assed out a sd card. it took me 3 sd cards to figure this out. the cards worked fine but not in the camera. then i formatted it on the camera first and it works fine. the other sd cards i use for other things, i won't discard them but they won't work in the cam. but remember again GET NEW SD CARD AND FORMAT THE CARD IN THE CAMERA FIRST.
Usually the first thing you need to do with any SD card and Camera is to go into the settings of the your camera and Format the SD card. This has to be done for each memory card you use with that camera. i.e. a SD card formatted on a Panasonic HD camcorder won't work in your Jazz Camcorder. The formatting is different between the two camcorders. New SD cards don't come formatted. SO try inserting the SD card into your Jazz Cam and rummage through the setting until you find your memory settings. From there find the Format Memory Card function, format the SD Card and you should be good to go.