I suspect this is an XP bug / problem.
I have no problems with my drives under Linux.
You can verify if it is hardware problem or a software bug by using the exact same hardware under Linux.
The Knoppix Live Linux CD and DVD is perfect for this because it boot from optical drive without requiring an install and supports FAT32 and NTFS http://www.kernel.org/pub/dist/knoppix/KNOPPIX_V4.0.2CD-2005-09-23-EN.iso
PM me if you have any questions.