I am certain it's not user error, since the recovery phrase was present in two different spots: backed up in the file on S3, and printed with a piece of paper. This text explains BIP39, the standard that defines how seed phrases are made, and summarizes how BIP32 and BIP44 https://linkingbookmark.com/story18803256/facts-about-bip39-seed-phrase-word-list-revealed