when you have the A/C on, do you leave on the button with the 2 arrows going in a circle? You can only leave that on for 15 minutes at a time or else it builds up mildew. It is the cabin filter or something, when the filter gets too cold it freezes up a tiny bit and when it thaws out it is moist, causing it to grow mildew.
They sell a spray you spray into you air ducts that kills the mildew. If you go into a service dept and ask, they might even do it for free.