Navigate to /user/Library/Keychains/ (Where user is your user account)
Do a Get Info on login.keychain
Go to the Sharing & Permissions section of the Get Info window.
They should look like this:
yourusername (me)—Read and Write
(unknown)—Read Only
everyone—Read Only
If they look like that I don’t know what is wrong. If they don’t look like that change them. You will have to click on the lock in the lower right corner before you can change them.