@Eurotrashjg - Correct. That is exactly what I am experiencing. Instead of "replying," we have to start a fresh comment and refer to a previous comment. I am reposting my earlier suggestion for those who don't read back to all of the comments. At least we have an option to make a comment and see all of the Photo Albums, not just the Camera Roll. And, yes, I wish FB would figure out this bug and fix it!
"To make a new comment, don't click the comment button! If you see the text box for commenting is already open, and the camera/photo icon is inside that text box, on the right side, that means you will have the option to see Photo Albums if you want to insert photo! I noticed if you click the "comment" button first, that icon moves to the far left (outside of the comment box) and that leaves you with only the Camera Roll option! I also noticed that I cannot see the camera/photo icon inside the text box when I reply to a reply. So, it is best to start a fresh comment and simply refer to a previous comment if necessary. At least you will have the option to view your Photo Albums if you want to insert a photo!"