What version of SQL Server are you using? The FIELDQUOTE parameter is available only in SQL 2014 or later. If you are using an older version of SQL Server, bulk insert cannot handle embedded commas in data fields.
With older versions, an alternative might be to use SSIS (or Import/Export Wizard) and specify the field quote character. I don't recall the version numbers, but in some of the older versions of SSIS, that was not working very well. See here
If at all possible, have the source file generated using a different delimiter. That would make life much simpler. In my world, I ask vendors to use pipe as the delimiter when sending "csv" files.