I figured out what happened … and it was my fault ??
When I originally installed the files I used the folder name “WordPress” which I then changed later.
I noticed that under the options Setting >> Miscellaneous it was still expecting the old folder name to exist. I changed the folder name to the new one and everything works as expected.
FTP is super easy, but I like how the uploader automatically creates a sub-directory structure.
Thanks for the reply!