Try another brand 32GB card. The fact the card is “UHS-I Class 10” is meaningless.
The card controller is immediately switched to SPI mode which is limited to 50 MHz and has nothing in common with the SDIO protocol. I have seen a few cards that just don’t work well in SPI mode.
The SD standard requires cards to ignore CRC in SPI mode but I have seen cards that default to CRC mode.
You could try enabling software CRC by editing SdFatConfig.h at about line 152 and changing USE_SD_CRC to two like this.
/** * To enable SD card CRC checking set USE_SD_CRC nonzero. * * Set USE_SD_CRC to 1 to use a smaller slower CRC-CCITT function. * * Set USE_SD_CRC to 2 to used a larger faster table driven CRC-CCITT function. */ #define USE_SD_CRC 2
One more sad fact, there are lots of counterfeit Samsung and SanDisk cards floating around. I bought a high end 8GB SanDisk card from Amazon sold by Amazon that was counterfeit.
Few cards are used in SPI mode so counterfeit cards are likely to have SPI problems.
One more Edit: I tested the Particle version of SdFat with a Samsung 32GB Pro microSD during development. It was excellent with great performance.