@Jholeana I have resolved my issue by using a 64gig card. Clearly they need to change their statements about the camera holding up to a 128 gig card. It's more than a coincidence that so many people...

I seem to have a common problem - purchased camera and 128 gig micro SD (Sandisk ultra) from amazon. I can't see where I format the card in the app. If I insert it into the camera, I get the message...