wget -m ftp://user:pass@server.com/
wget -m –user=“user“ –password=“pass“ ftp://servername/

-r is for recursion, it has a default max level of 5:
-l depth (–level=depth) Specify recursion maximum depth level depth. The default maximum depth is 5.

If you don’t want to miss out subdirs, better use the mirroring option, -m:
-m (–mirror) Turn on options suitable for mirroring. This option turns on recursion and time-stamping, sets infinite
recursion depth and keeps FTP directory listings. It is currently equivalent to -r -N -l inf

Von Dominik