FR_NOT_READY with SDIO, microSD 32GB and MCU STM32F407

I was trying to interface a microSD card (32GB) with STM32F407 through SDIO. Tried 1-bit and 4-bit modes. But it always gets me back FR_NOT_READY. 

and the program always stuck here:

FATFS configuration:

SDIO configuration:

Clock:

Where I'm doing any mistake? Formated uSD card several times. Nothing improves. Do you have any suggestions?