Limit access denies login - FTP

New to TrueNAS. Setting up FTPS (FTP w TLS). I can ONLY make an ANONYMOUS FTPS connection, but when I try to make one w specific USER credentials, I consistently get an error in the console log view:

Oct 26 13:17:30 truenas.local proftpd[33140]: 127.0.0.1 (192.168.1.29[192.168.1.29]) - USER AutoSync (Login failed): Limit access denies login

Yes, the user account is a member of the ftp GROUP. I assume I have a permissions setting wrong. But, for the love of Pete, I can’t sort it. Using File Manager+ for Android for access.

Where and how should I search to find the problem?