I wonder if it's a variation of this, of which I've seen many different symptoms...
Move the mouse or trackpad cursor over the center area of the login window so you can see the user icons. Click on the icon of the user that you would like to login as, type in the user's password, and press Return.
If the login window is configured to show only the name and password fields, type in the user's name and password into the fields, and press Return (even if you cannot see the rest of the login window).
This issue will not occur if the display is not sleeping when the account is logged out. Use the steps below to confirm that the account is not configured to log out automatically while the display is sleeping:
1. Open System Preferences > Security & Privacy > General. Click the padlock to unlock the preference pane and enter your admin password. Click the Advanced button at the bottom, then see if the option "Log out after N minutes of inactivity" (where N is the number of minutes) is enabled.
2. Open System Preferences > Energy Saver and configure Display Sleep to occur after the account is logged out, by dragging the slider to a number of minutes that is greater than N was set to in the previous step.
Important: If automatic log out is not needed, disable "Log out after Nminutes of inactivity" in System Preferences > Security & Privacy > General. This will also prevent the issue.
It's only a work-around, but using HOT CORNERS for my screensaver has been a quick way to reset the screen from white to the normal desktop. I use the bottom left corner of my screen to activate my screen-saver, so when the white screen appears I simply move my mouse toward the bottom left, the screen-saver activates and then the desktop appears when I move the mouse again.