FTP server and chroot: SSL3 alert write: fatal: protocol version

When i enable "chroot_local_user=YES" in my FTP server config /etc/vsftpd/vsftpd.conf
then the FTP client (WinSCP) says:

Server asks for authentication with a client certificate.
SSL3 alert write: fatal: protocol version
wrong version number
TLS connect: error in error
unknown state
Disconnected from server
Connection failed.

Click to expand...

when it is commented out and "service vsftpd restart" , it login OK, but allows browsing system directories in the /.
This is CentOS 7 Linux.

These are...

FTP server and chroot: SSL3 alert write: fatal: protocol version

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