Consumer complaint received 2022-08-17
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received an email two days ago from Elan financial services for a credit card through my credit union. 
In the email there's a blue box that has three options 1. Get the app 2. Add a card 3. Go paperless. 
I select the option to get the app The next step I can choose Chrome which I do. Then I select XXXX or XXXXXXXX XXXX and I select XXXXXXXX XXXX 
This is the statement I get to download the app suggested by eland in their email with a pre download option. 

Leaving? 
By selecting " Continue '', you will leave myaccountaccess.com and enter a third party Web site. Elan Financial Services is not responsible for the content of, or products and services provided by XXXX, nor does it guarantee the system availability or accuracy of information contained in the site. This Web site is not controlled by Elan Financial Services. Please note that the third party site may have privacy and information security policies that differ from those of Elan Financial. 

Being an identity theft survivor and knowing how XXXX the major culprit allowing third-party data Steelers . I had to investigate further about elan. 

So I googled elan financial services. It's at the very top I click the blue this is elan financial services I go into it and there's a blue box that says 1. Banks 2. Credit Unions . 
I select credit unions. 
And this is the message I get going through their main website. 

Before you go, be sure you know : This link takes you to an external website or app, which may have different privacy and security policies than Elan Financial Services. We don't own or control the products, services or content found there. 

The young girl I spoke with XXXX told me that it should be my account access.com. 

So I go into that link. 

ONCE AGAIN! 

Asked to select XXXX XXXX or XXXX for the app. And once again it brings me to that first statement I quoted which does absolutely know good because it's allowing you to go to a website app that is done by a third party that they take absolutely no responsibility for what happens in it. 

Also I would never have thought of pulling up a site that said my account access it didn't State elan and when I open it there's still is not a single reference word about elan. 

This is probably a very gross oversight. But no matter how you try to get an app for elan financial services it keeps trying to send you to a third party app in which their policies procedures and privacy are nothing to do with elan. 

I spoke to her supervisor XXXX and I recommended after I told her everything I just told you that she should bring that up to somebody higher up before they start working on trying to correct it which I hope they do. I did tell them that I was going to follow through with this because this leaves the lay person without the knowledge and experience I've had for 45 years and every possible job credit cards Banks corporate resolutions.. 

So these are three different ways that elan tries to tell you to get the app so you can service and watch what happens with your credit card and it never ever has an app for ; MY ACCOUNT ACCESS.COM! 

THE ONLY WAY I COULD USE WHAT THEIR MYACCESS.COM SITE WILL DO TO WORK WITH MY CREDIT CARD WITHOUT DOWNLOADING AN APP IS TO ADD IT TO MY HOME SCREEN. 

Again I'm believing this was a gross oversight and again I did tell her I would be sending you this information and it needed to be followed up because it is leaving way too many lay persons and consumers out in the cold and preyed upon without their knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation