Jason's solution worked for me in a different way. It gave me a hint how to disable Narrator and Utility manager when we use remote desktop. When you start Remote Desktop session, if the narrator or utility manager window pops up, close them with your mouse and then hit Windows Key + U (Utility Manager and Narrator Opens again), hit Windows Key + U once again and it will permanently disable the Narrator and Utility Manager and you can login successfully. This worked for me. Try it.
I found that the user was hitting the X instead of logging off of a remote desktop connection, leaving the connection active but disconnected. I went into Terminal Services Manager and reset the account. This solved the problem.