Hello,
Unfortunately I proved myself wrong this morning by creating a new user with 3 initials by copying one of the bad users with only 2 initials. The problem carried over to the new user so it is back to the drawing board. Thanks for your help. A new 3 initial user created from scratch yesterday did not have this problem and no other users with 3 initials have had the problem until this morning. All of our users with 2 initials only are afflicted. Regrettably we are a very small business so we don't have a lot of users to draw conclusions from.
Best wishes for 2020,
Rick