new SFTP/SCP server install access denied message

Just installed SFTP/SCP server on a new windows box.  firewall disabled (internally for setup).   Using WInSCP client.  All default settings on server and client. 

When I try to connect, authentication denied.  Any ideas?  

section of log posted below:

. 2022-05-16 16:35:31.050 Initialised AES-256 SDCTR (AES-NI accelerated) [aes256-ctr] outbound encryption
. 2022-05-16 16:35:31.050 Initialised HMAC-SHA-256 outbound MAC algorithm
. 2022-05-16 16:35:31.052 Detected network event
. 2022-05-16 16:35:31.052 Enumerating network events for socket 2172
. 2022-05-16 16:35:31.052 Enumerated 1 network events making 1 cumulative events for socket 2172
. 2022-05-16 16:35:31.052 Handling network read event on socket 2172 with error 0
. 2022-05-16 16:35:31.052 Waiting for the server to continue with the initialization
. 2022-05-16 16:35:31.052 Looking for incoming data
. 2022-05-16 16:35:31.052 Looking for network events
. 2022-05-16 16:35:31.052 Initialised AES-256 SDCTR (AES-NI accelerated) [aes256-ctr] inbound encryption
. 2022-05-16 16:35:31.052 Initialised HMAC-SHA-256 inbound MAC algorithm
. 2022-05-16 16:35:31.053 Detected network event
. 2022-05-16 16:35:31.053 Enumerating network events for socket 2172
. 2022-05-16 16:35:31.053 Enumerated 1 network events making 1 cumulative events for socket 2172
. 2022-05-16 16:35:31.053 Handling network read event on socket 2172 with error 0
. 2022-05-16 16:35:31.053 Waiting for the server to continue with the initialization
. 2022-05-16 16:35:31.053 Looking for incoming data
. 2022-05-16 16:35:31.053 Looking for network events
! 2022-05-16 16:35:31.053 Using username "test".
. 2022-05-16 16:35:31.082 Detected network event
. 2022-05-16 16:35:31.082 Enumerating network events for socket 2172
. 2022-05-16 16:35:31.082 Enumerated 1 network events making 1 cumulative events for socket 2172
. 2022-05-16 16:35:31.082 Handling network read event on socket 2172 with error 0
. 2022-05-16 16:35:31.082 Waiting for the server to continue with the initialization
. 2022-05-16 16:35:31.082 Looking for incoming data
. 2022-05-16 16:35:31.082 Looking for network events
. 2022-05-16 16:35:31.082 Server offered these authentication methods: password
. 2022-05-16 16:35:31.082 Prompt (password, "SSH password", <no instructions>, "&Password: ")
. 2022-05-16 16:35:33.970 Sent password
. 2022-05-16 16:35:33.972 Detected network event
. 2022-05-16 16:35:33.973 Enumerating network events for socket 2172
. 2022-05-16 16:35:33.973 Enumerated 1 network events making 1 cumulative events for socket 2172
. 2022-05-16 16:35:33.973 Handling network read event on socket 2172 with error 0
. 2022-05-16 16:35:33.973 Waiting for the server to continue with the initialization
. 2022-05-16 16:35:33.973 Looking for incoming data
. 2022-05-16 16:35:33.973 Looking for network events
. 2022-05-16 16:35:33.973 Password authentication failed
! 2022-05-16 16:35:33.973 Access denied
. 2022-05-16 16:35:33.990 Server offered these authentication methods: password
. 2022-05-16 16:35:33.990 Prompt (password, "SSH password", <no instructions>, "&Password: ")
. 2022-05-16 16:35:36.766 Attempt to close connection due to fatal exception:
. 2022-05-16 16:35:36.766 Closing connection.
. 2022-05-16 16:35:36.766 Selecting events 0 for socket 2172
* 2022-05-16 16:35:36.801 (ESshFatal)

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