Whatever it is, your fix works as I just installed the app you mentioned on my Android tablet and joined the community where it showed my name in there just like you wrote. I had joined Rewards five minutes before that on my PC in Edge and the error was still there, so I don't think joining Rewards that has anything to do with it with fixing this problem.
I then went back to my PC and loaded MSN in Firefox and clicked on an article that allowed comments. The "username violates our guidelines" error wasn't there anymore allowing me access to make my own comments now for the first time.
Installing and loading that App and then signing in and joining the community is what fixes the problem apparently, so you did good in posting this and I appreciate it a lot.