escaping chars in unix, tricky business.
Just try grepping for "$" or "\"  :)

You might try
   curlftpfs -o user=userid.acct:userpw\\\,acctpw host.domain.tld

Simply put,  the shell reads \, and replaces with ,
  so curl would see only the comma.
Added escaped backslash, would pass  "\," into curl.
   hmm, with that said,   "\\,"  should work - the comma not escaped.

Keven Miller

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