As I said in the original post
This is what you said in the original post: "keychain access IS turned on." Keychain Access is an application. iCloud Keychain is a network service. I'll take the answer to my last question to be "yes."
Please take these steps to resynchronize the iCloud keychain. Your keychain on iCloud and your other Apple devices won't be affected. Take Step 2 only if Step 1 doesn't solve the problem.
Step 1
Back up all data.
Open the iCloud preference pane and uncheck the Keychain box. You'll be prompted to delete the local iCloud keychain. Confirm—the data will remain on the servers. Then re-check the box. Follow one of the procedures described in this support article to set up iCloud Keychain on an additional device. Test.
Step 2
If you still have problems, uncheck the Keychain box again and continue.
Triple-click the line below on this page to select it, then copy the text to the Clipboard by pressing the key combination command-C:
~/Library/Keychains
In the Finder, select
Go ▹ Go to Folder...
from the menu bar and paste into the box that opens by pressing command-V. You won't see what you pasted because a line break is included. Press return.
A folder named "Keychains" should open. Inside it is a subfolder with a long name similar to (but not the same as) this:
421DE5CA-D745-3AC1-91B0-CE5FC0ABA128
The above is only an example; yours will have a different name of the same general form. Drag the subfolder (not the Keychains folder) to the Trash and empty.
Restart the computer and re-enable iCloud Keychain.
