You need to have double-double quotes to represent double quotes in a CSV, and everything must be surrounded by double quotes so your output in text will look like:
"John, Delores ""Sutton"""
So you will need to do a find and replace on the text to double your double quotes...
F1 = F1.Replace("\"", "\"\"");
Then do your format to surround text with quotes.
var F2 = string.Format("\"{0}\""), F1);
Savvy?