Deborah

Yes, I see I mistyped the name, thank for the correction. No wonder I could not find the name. I will check out the suggestion as well!

I resolved my issues by contacting the hosting site, upgrading my site from a managed to a non-managed so I have all the access I need now. I knew it was an access problem but did not know of what order as my options were not explained when I purchased my website hosting. Learning bit by bit!

Thanks for your detailed reply, this helped me understand better!

I read the resolve post that said:
You can check who that use should be by looking at the Wordfence Tools > Diagnostics page, in the PHP Environment section where it says “Process Owner”. That is who should own the files in that folder to write to.

The user name under process owner in the PHP section for WordFence is the correct username and the one I use for FileZilla.

When I go into FileZilla using the Process Owner shown above and the
.htaccess is set to .rw-r–r–
and I cannot change it to .rw-rw-r–
if that make any difference. I do get permission denied when trying to change attributes so I do not know if that means I do not have the Process Name?

What do I do now, I am stumped.

I am also having this problem but using a hosting site so do not have access to these directories. I also do not have the ftp setup as far as I know. I am using the latest version of WP. Do I need to setup an ftp access and if so, what do you recommend I use. I have not warnings in the Diagnostic Tools section and did find the PHP Environment Process Owner name but not sure where in WP to see if this is the right name to use. I am a novice to WP and need basic instructions.