OK my issue is resolved. Somewhere else on the internet one fellow found that even though he had changed the camera password to xxxx123, in the Hikvision NVR setup screen for the ONVIF camera, it needs to see the password "admin". I tried it an lo and behold it worked!! (with camera plugged into switch)
Sadly, the same trick did not work when I plugged the camera directly into the NVR POE port. It was still giving the same old error. Would have been nice so that I did not have to use that switch. Anyways, thanks for your help guys! Ed