Here is my first post on Checkpoint regarding the FTP issue "Wrong username or password". I will try to keep it short!!
Trying to FTP from command prompt on a windows machine.
Command line ftp:
ftp ###.###.###.###
Connected to ###.###.###.### (###.###.###.###).
220 Check Point FireWall-1 Secure FTP server running on XXXXXX
Name (###.###.###.###:XXXXX): usernamejoe
331 password: you can use password@password
Password:
200 password: you can use 'quote password' or Account command ('ACCT')
ftp> pass
Passive mode off.
ftp> ls
421-Access denied - wrong user name or password
421 aborted