I added several users to my server using
useradd -d /home/<username> <username> . The users are able to log in and access their directories, but get Permission denied error messages when attempting to create files or directories.
I thought that associating a home/username directory with username gives them read/write permission, and that I don't have to use chmod to give the user permissions to their own home directory. Presumably I missed a step when creating the user account, please clarify.