Hi Paul,
Thank you for reaching out. To understand the issue better, let us know more details by answering the following questions:
• Were there any changes made prior to this matter?
• Did you check the Device Manager if there's an error message appeared on the card reader driver?
• Does it take long to recognize the MicroSD Card after disconnected?
• Have you tried checking the 'Properties' of the card reader driver if there's a 'Power Management' tab? If so, did you attempt to uncheck the "Allow the computer to turn off this device to save power"? Any differences?
• Can you confirm if the issue happen when you wake it up from sleep/hibernation or from normal startup/shutdown?
To help solve this issue, we suggest that you download and run the Surface Diagnostic Toolkit. It is a self-healing tool which looks for potential issues and fixes them, as well as ensures your device is completely up to date. The tool takes about 10-15 mins. to run. Once you run the toolkit, kindly follow the on-screen instructions.
Keep us posted on the outcome.