Samsung Muse Bluetooth or USB Connect

OK. I can get what appears a connection either way. That is using Susteen USB or Vista Bluetooth. I can load audio tracks to folders I created using Media Monkey. The folders & tracks show up when I use MM to display or by plugging the SD card directly into the PC.
But when I attempt to transfer file(s) to the Muse via the Vista Bluetooth connection, Vista displays "Receiving name cards incomplete". "Cannot process files of this type is displayed" by the phone. No files are transferred. Using the susteen USB connection, I can transmit or receive phone numbers between the phone and the PC. Using Media Monkey, the track(s) are transferred to the phone OK as they can be displayed in the Vista tree. The track can be played by WMP OK. When displaying Music Player Library, nothing is displayed. Can you help?

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I should mention that I can send pix to my Razr OK.

Got the USB connection to work after I formatted my MSD card, then loading tracks into the my_music folder. Using other folders will not work.