Вот такой конфиг:
anonymous_enable=NO
anon_upload_enable=NO
anon_mkdir_write_enable=NO
local_enable=YES
write_enable=YES
#local_umask=022
#chown_uploads=YES
#chown_username=whoever
chroot_local_user=YES
user_sub_token=$USER
local_root=/home/$USER/ftp
userlist_enable=NO
userlist_file=/etc/vsftpd.users
userlist_deny=NO
#chroot_list_enable=YES
#chroot_list_file=/etc/vsftpd.chroot_list
pam_service_name=vsftpd
dirmessage_enable=YES
xferlog_enable=YES
connect_from_port_20=YES
#ls_recurse_enable=YES
listen=YES
#listen_ipv6=YES
#xferlog_file=/var/log/vsftpd.log
#xferlog_std_format=YES
#idle_session_timeout=600
#data_connection_timeout=120
#nopriv_user=ftpsecure
#async_abor_enable=YES
#ascii_upload_enable=YES
#ascii_download_enable=YES
#ftpd_banner=Welcome to blah FTP service.
#deny_email_enable=YES
#banned_email_file=/etc/vsftpd.banned_emails
Если включить анона, то по нему заходит.