Ok,
So I was getting this error. What I was doing was running two browsers, one where I was logged in with XYZusername which was the admin and then logging into the front with the same XYZusername login.
I think that caused the probelm, because I logged off of everything and tried to login to the front one last time just for giggles and what do you know, it worked!
Problem solved.
Hope this helps someone else.
Jason:silly: