When you create an FTP account, the account is given access to the folder you specify. It's not unusual for people to miss this part of the process because cPanel does it's best to guess and create a folder automatically based on the FTP account name you create. If you have an FTP account that is assigned to an incorrect folder, you will want to change the folder the account is assigned to. cPanel does not currently offer the option to change the folder for an FTP account "on the fly." The only way to change the folder an FTP account is assigned to is to delete and recreate the FTP account. When recreating the FTP account, be sure the Directory field is set to the folder you want your FTP account to have access to.
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