Strange FAT filesystem

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http://www.unix.com – My Garmin GPS device has a slot for an SD card. I'm using a 32 GB SD card which holds 22 GB data currently. If I attach my device to a USB port it shows two devices, the internal memory and the SD card. I have no problems with the internal memory which holds only 2 GB of data. I can mount both as a FAT32 system, but listing (ls) the large SD card based file system shows only rubbish (many question marks and dots). Fdisk is telling me, it's a FAT32 partition. BUT, when I start Windows7 under Virtualbox on the very same hardware, I can list the device just fine and CHKDSK doesn't find (HowTos)