Thank you for your response. As I said, I am a novice at this and need guidance with FTP. While waiting for a callback from IONOS on this, I contacted CleanTalk. They said their anti-spam functionality ONLY block spam from the website forms. So this is not this issue.
So, back to my original problem, how do I get into wordpress to manage the site? “Invalid verification code” and fallback email not delivering email.