Problem Description:

today, you need to format the SD card as FAT32, and then write an img file to it. Use the card reader to connect the SD card to the host, and then use win32discriminator software to write an error to the specified drive letter: an error occurred when attempting to XXX, error 5: access is denied.

Problem-solving:

1) Download SD memory card formatter (official website)
2) select overwirte format to format
3) use win32diskimager to write again. Success!

I think some people on the Internet say that the card reader is broken. Change a card reader. You can try this method first. If not, replace the card reader.