Not sure what you mean by "they can't go to chroot" but why not just make it so their actual home directory is /home/user/public_html
Then chroot them to that directory so they can't browse to any other directory.
You could also give them a false shell, so they don't have shell access to login in any other means, except for FTP.
Edit /etc/shells, add /bin/false to it and then make their default shell /bin/false.
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