Hi,
I am having the same problem, and I notice a couple of other forum discussions around similar issues.
My issue (and question) is that when I try to turn off iCloud photos I have the options: a) to delete all of my photos from my phone and leave them only on iCloud, or b) to download a copy of all of my iCloud stored photos to my phone.
Neither of these options is suitable; I want to keep some photos on my phone, and don’t have the space to put the whole iCloud collection there.
I have also tried restarting the app, resintalling the app and checking the format is exFAT.
All assistance appreciated!
Phil