Refreshing Your Media lasts for a really long time

How do go about trying to fix a clip zip that never leaves the “Refreshing your media” screen?  Is it even fixable?  on 3 seperate occasions I’ve allowed it to go 3 hours with no change.  The blue bar is maybe only 1/8 of completion and it never gets past that point.  It does not have a micro card in it nor have I ever usesd one in it.  Only use it for the radio.