![]() ![]() Several states also have laws to provide their citizens an additional layer of protection. If Elements Financial FCU is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. Did Elements Financial FCU continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and a potential case under the EFTA. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Elements Financial FCU, like most collection agencies, wants to set up recurring payments from consumers imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If Elements Financial FCU took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency. You can receive $500 per call if Elements Financial FCU violates the TCPA. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. While it can be difficult to get a fair chance in arbitration, the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by banks and big businesses. have arbitration clauses, which means that if you have a complaint against that company, you must file your claim in arbitration. Nowadays, most original creditors, credit card companies, etc. If you want to know just how unhappy consumers are with Elements Financial FCU, take a look at the number of complaints consumers have made online. The main telephone numbers are 80 (toll-free) and 31 and the main website is Elements Financial FCU Lawsuits Elements Financial FCU’s Address, Phone Number, and Contact InformationĮlements Financial FCU is located at 225 South East St., Suite 300, Indianapolis, IN 46202-4509. Founded in 1930, it has been accredited by the Better Business Bureau (BBB) since 2008.Įlements Financial FCU serves over 100,000 members and has over $1.6 billion in assets. Who is Elements Financial FCU?Įlements Financial FCU is a federal credit union based in Indianapolis, Indiana. You have nothing to lose! Call us today at 88 for a free consultation. Plus, some of our clients also receive debt relief and cleaned-up credit reports. ![]() You won’t owe us a dime for our services. If Elements Financial FCU violated the law, you may be entitled to money damages and Elements Financial FCU will pay our fees and costs. You have rights under the law, and we will stop the harassment once and for all. Creditors like Elements Financial FCU cannot harass you over a debt. ![]()
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