I'm pretty sure I mentioned that Excel does not use the same .csv spec that Access uses. If it did, we wouldn't be having this conversation.
If you are OK with opening the .csv you created with Access in Excel and fixing it up by saving as a .csv that's fine. Otherwise, you can do an export ONCE manually so that you can create an export spec. Access has the option to not surround text fields with quotes so you can make the same file that Excel makes without having to open Excel. Once you have made the export spec, you then reference it in your TransferText method. Keep in mind that this won't fix the Excel problem. If you open this .csv in Excel, Excel is still going to convert the phone number to scientific notation and strip the leading zeros from zip codes.
To make the export spec, start the export dialog and at some point press the Advanced button. That will allow you to remove the quotes for text setting and also allow you to save the export spec and name it.
Alternatively, if you want the code to create a custom .csv format, I can post some. My state had the brilliant idea that ALL fields in a .csv needed to be enclosed in double quotes. That isn't an option that Access supports with the wizard so I wrote it myself.