Make sure you have a line in your smb.conf like the following:
comment = Home Directories
path = /home
read only = No
If you already do, do this as root:
go into the /home folder under the user and right-click on the users folder. goto properties and find the (tab) permissions. Make sure that the users name is one of the choices in ownership.
If that is, then you may be logging in remotely as a guest... and will need to change that.
The easiest way to do that is through swat (if you have it installed)
hope this helps