I'm confident it's not user error, Considering that the recovery phrase was found in two distinct places: backed up in the file on S3, and printed on a piece of paper. This text describes BIP39, the standard that defines how seed phrases are created, and summarizes how BIP32 and BIP44 https://brightbookmarks.com/story19001167/considerations-to-know-about-bip39-word-list-pdf