SD card formatting help needed

Card reader seems to be connected and working properly, but I keep receiving a "file system initialization failed" error.

Today is my first experience with card readers. I initially started out by using the arduino core SD library example programs to check disk info. But, I couldn't get the reader module to work, so I installed the latest SDFAT library. Same problem initially due to a wiring problem. Once I got that worked out, the card reader would initialize, but the file system wouldn't. I continued using only the SDFAT library.

Now, the card is initializing but the file system will not.

Mega 2560
Arduino v1.0.5
The module is one of the cheap $1 models. I'm using a M74HC4050BB1 hex buffer as a level shifter.
SD card is a Sandisk 32gb ultra (had if for a couple years, no problems)
Relevant Example programs: QuickStart, SDinfo and SDformatter and SD/cardinfo

Currently results:

It seems there is a formatting problem. The SDformatter won't format. It starts erasing, then errors out. Cardinfo and SDinfo (iirc) say something like "can't read partitions." Windows 7 system reformatter has no problem formatting, but still have the problem. No problem reading the card on my computer.

I also tried the windows based "SDformatter" suggested in the SDFAT documents. There are different format options. I reformatted using the "Erase" and the "overwrite" methods. The "quick" method isn't supported by the card, according to the formatter. In every case, windows has no problem with the card.

But, SDFAT and SD cards act like the card is unformatted. One curiosity is that the SDinfo example says that the card is "32Mbytes," not GB. But windows confirms it's GB. I had several GB of photos from two smart phones that were deleted before formatting. So, I know it's more than 32MB.

Any suggestions? I've ordered a couple more SD cards, but in the meantime, I have a hard time believing there's something wrong with this one.

Thanks

Should have also mentioned I'm using a micro sd card with an adapter. Card reader is full size. Using the same adapter when plugging into computer with no problems. Attached is a photo of the serial monitor...

Grrrr. Looks like the problem is somewhere in the connection. I'm building the project on a breadboard. But, it's an ACE, new. Feels like it's in the card interface. The slightest movement can cause the QuickStart example to fail. Yet, once I get it to work, as long as I don't touch it, it will run successfully over and over.