Not an answer, just a reduction to one particular class of cases.
Claim: If there is a prime $p<2\sqrt{n}$ such that $p\not\mid n$ and $-n$ is a square modulo $p$, then such $a,b,c$ exist.
When $n>1$ is odd, we have $(a,b,c)=\left(1,1,\frac{n-1}{2}\right)$.
When $n>4$ is divisible by $4$, we have $(a,b,c)=\left(2,2,\frac{n}{4}-1\right)$.
So we only need to solve for $n\equiv 2\pmod{4}$.
As JG pointed out, if $n+1$ is not prime, with factorization $n+1=uv$, $u,v>1$, then we get $(a,b,c)=(1,u-1,v-1)$.
So we've reduced to when $n+1\equiv 3\pmod{4}$ is a prime.
[I suppose that all these cases can be seen via Jaap's comment about seeking $c$ so that $n+c^2=rs$ with $r,s>c$. In the case $c=1$ give us the odd case or $n+1$ composite, the case $c=2$ gives the case $n$ divisible by $4$.]
We will proceed using Jaap's comment:
If there exists $c$ such that $n+c^2=rs$ for some $r,s>c$, then we can choose $(a,b,c)=(r-c,s-c,c)$.
Let $p$ be a prime relatively prime to $n$ such that $-n$ is a square modulo $p$.
Then $n+c^2$ is divisible by $p$ for some $\frac{p-1}{2}<c<p$.
If $d=\frac{n+c^2}{p}$, we want $d>c$ to ensure a solution.
So we want $$pc<n+c^2$$
But $c^2-pc+n=\left(c-\frac{p}{2}\right)^2+n-\frac{p^2}{4}$.
So if $p^2\leq 4n$ then this value is positive, and we get $d>c$ and hence $(a,b,c)=(p-c,d-c,c)$.
This explains why $462$ is a good candidate to fail - $462=2\cdot 3\cdot 7\cdot 11$, so $-462$ needs to not be square modulo $5,13,17,19,23,29,31,37,41$. Essentially, for large $n$ we need a lot of distinct prime factors.
It also explains why $n$ tends to be square-free in the examples.
If $p^2\mid n$ then $n+p^2=p^2\left(1+\frac{n}{p^2}\right)$ so if $p^2\mid n$ then $1+\frac{n}{p^2}\leq p$, and it must be prime. If it is not prime, then $n+p^2=(pa)(pb)$ where $ab=1+\frac{n}{p^2}$. That gives us that if $n$ has a square factor then $n=p^2(q-1)$ for some prime $q\leq p$, and there must be no solution to $ab+ac+bc=q-1$.
If $d\mid n$ then $d+\frac{n}{d}$ must not be factorizable as $ab$ with $a>1,b>d$, or otherwise, $n+d^2$ is factorizable as $(ad)(b)$.
But if $d+\frac{n}{d}\geq d^2$ this means that $d+\frac{n}{d}$ must be prime.
So, if $d\mid n$ and $d\leq \sqrt[3]{n}$, you must have $d+\frac{n}{d}$ prime.