I know you said you didnt have anywhere else to mount the SD chip, but I had problems with *some* apps writing data to the SD card, creating directories, etc until I added a VOLUME label to the SD card. Seem that there is a security bug in Android that if there isnt a label, some apps will not work properly. Odd things kept happening. Do a google search on android lollipop sd label. there are many topics on this. Had to do this to both mine, and my wifes phone for all apps access to work. Don''t have to format to add the label. I didnt have a SD card in my windows laptop, but i happened to have other devices (like my Garmin GPS) with a SD card socket that i then connected to my laptop, and it mounted the SD card as a disk on windows, and was able to access it that way.
kmf1, I know you said in other forums, that you didnt have problems, but you also complained about 2 copies of photo directories showing up. I believe it could be related.