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Okay, here's the two instances I've tested.
1) this is with the option of hiding the forums that the user doesn't have access to. The "Elite" user, even though given access to the private forums, cannot see the forums in the forum listing.
2) this is with no hiding option on. The "Elite" user is able to see all the forums (like they should), but upon clicking on one, it says that they don't have the correct access for it.
I've checked with phpMyAdmin, and by looking at the xoops_bb_forum_group_access table, it appears that everything is right and that the "Elite" users should have that access... it's just odd.