I was trying to import settings from the WinSCP.ini file I generated from an installation on another computer in the house.

WinSCP 5.15.5

Error message:
Invalid access to memory.

Stack trace:
(000C1FD3) TEditorPreferences::Load
(00087D7F) ntdll.dll
(00073221) ntdll.dll.KiUserExceptionDispatcher
(000D9D5A) TWinConfiguration::LoadData
(006F5410) TConfiguration::LoadFrom
(000CCEBD) TWinConfiguration::LoadFrom
(006F3E18) TConfiguration::Import
(00887023) TLoginDialog::ImportActionExecute
(003A314F) System::Classes::TBasicAction::Execute
(003A3E44) System::Classes::_18201
(00043389) USER32.dll
(00023F87) USER32.dll
(000230D9) USER32.dll
(00022EBB) USER32.dll.DispatchMessageW

The problem happens rarely. I cannot reproduce it.