I had this same issue, and solved it with a solution similar to what Cheeso provided, above.
"doesn't work, says password is srequire, tried it a couple different ways "
Yep, that's because FTP sessions via a command file don't require the username to be prefaced with the string "user". Drop that, and try it.
Or, you could be seeing this because your FTP command file is not properly encoded (that bit me, too). That's the crappy part about generating a FTP command file at runtime. Powershell's out-file cmdlet does not have an encoding option that Windows FTP will accept (at least not one that I could find).
Regardless, as doing a WebClient.DownloadFile is the way to go.