Hi @lori.cohen
Welcome to the Community!
I’ve see this issue happen primarily when the user is using a Personal Microsoft Account to sign in and not a local account, so that would be the first thing I would check.
The workaround for that kind of user is to make sure that the “Don’t Display Last Username” is set and working. This setting can be a bit annoying for users who are used to just putting in their password, however we have found it a best practice for all of our clients.
I know that you had mentioned that this user is using a local account already, however I’m wondering if the same fix will work for you there.