I have upgraded to 2.4.1 - same problem, different error in WinSCP:
Permission denied.
Error code: 3
Error message from server: Access denied.
Access log:
20210726_173854.474,"127.0.0.1",6,"alice","login",[]
20210726_173854.476,"127.0.0.1",6,"alice","access",["/mount", "Read"]
20210726_173854.516,"127.0.0.1",6,"alice","access",["/mount", "Read"]
20210726_173854.541,"127.0.0.1",6,"alice","access",["/mount", "List"]
Server log didn't update for some reason.