A Microsoft file hosting and synchronization service.
I am having the same problem with my Vault and No I am not making a new Microsoft Account. I can setup the personal Vault on my Android Phone but it stays stuck on that part after setting it up and then trying to go into it. I would turn it off if the turn-off process weren't locked behind the vault. Also, there should be no hours in which the vault locks, The user of the account should be the one to decide if they want their personal vaults locked within onedrive and it shouldn't be Microsoft's choice on that.
Also, no the other suggestions mentioned didn't help me either.