Having setup FTP I need to create a user and give access to a web page folder

I need to create a user that has access to a web address that I’m managing on DO. I have the web server and ftp installed and running. What I would like to do is create a user whose home page is /var/www/html/severestudios and give them ftp read/write access (only to that folder). I have followed a few tutorials indicating the following should work…

adduser <username> usermod -d /var/www/html/severestudios <username> chown <username>:<username> <username> chown www-data:www-data /var/www/html/severestudios usermod -a -G www-data <username>

I try to log in with WinSCP (standard FTP - no encryption) and either get: OOPS: cannot change directory:/home/severestudios/ftp or worse OOPS: priv_sock_get_cmd

It doesn’t make sense that it’s trying to change the directory to /home/severestudios - that is not the home directory I set, nor is it the one that appears in the /etc/passwd file (the right one is in there).