I've just bought a Kingston 512GB MicroSD Card to expand my storage on my Surface Pro. I saved some Excel files on it and then on the next boot, all of the Excel files just disappeared left behind the blank folder. I tried removing and putting it back in while the Surface was still on and the same problem happened. After that, I formatted the card to NTFS and the issue was fixed. I just don't know what caused the issue and why converting to NTFS fixed it?