<Try to describe precise steps that lead to the problem (where do you click, what keys do you press, what do you see, etc.)>
<If relevant, consider attaching a session log file or a screenshot)>

WinSCP 5.21.3

Error message:
Error transferring file '/venue/2023-08-05/5/audio/200000508_050823.mp3'.

Invalid access to memory.

Stack trace:
(00053C30)
(00FD2216) C5412_3
(00FD427E) ____ExceptionHandler
(00FD1038) __ExceptionHandler
(00087A5F) ntdll.dll
(00073F81) ntdll.dll.KiUserExceptionDispatcher
(00DEE935) TTerminal::Sink
(00DED67C) TTerminal::SinkRobust
(00DED4A4) TTerminal::DoCopyToLocal
(00DFE09B) TWebDAVFileSystem::CopyToLocal
(00DE9D8F) TTerminal::CopyToParallel
(00DE9ED1) TTerminal::CopyParallel
(00DECF98) TTerminal::CopyToLocal
(00CFB3F5) TDownloadQueueItem::DoTransferExecute
(00CF971E) TQueueItem::Execute
(00CF874E) TTerminalItem::ProcessEvent
(00CF6A94) TSignalThread::Execute
(000C27EB) Userinterface::C20_0
(0001F0C7) KERNEL32.DLL.BaseThreadInitThunk
(00066B1C) ntdll.dll.RtlGetAppContainerNamedObjectPath
(00066AE9) ntdll.dll.RtlGetAppContainerNamedObjectPath

The problem happens rarely. I cannot reproduce it.