* Go to Finder.

* On the Finder menu, click on "Go", then on "Go to Folder". A box should come up. 

* On the box, type in "~/Library/Keychains/" and click on "Go". It should lead you to the Keychains folder where you will find three items: (1) a folder with a name mixed with letters and numbers, (2) login.keychain, and (3) metadata.keychain. 

* Delete the folder with a name mixed with letters and numbers.

*Go into the keychain program, click "Keychain -> Preferences -> Reset my default keychain"

* Restart your computer. Check to see if the problem has been solved.