Business Profile

Credit Cards and Plans

OpenSky, A Division of Capital Bank N.A.

Headquarters

BBB Accredited Business A Rated by BBB

Important information

Customer Complaint:
Please be advised that due to the high volume of complaints received for this business, BBB publishes 1 out of every 10 complaints handled through our conciliation process.

Complaints

This profile includes complaints for OpenSky, A Division of Capital Bank N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

523 total complaints in the last 3 years.
158 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:12/18/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I got a secured credit card with OpenSky in April 2023. In November 2023, they offered me a Gold Card. I applied for it and they approved it on November 20, 2023. They said I should receive the card in two weeks but as of December 18, 2023, I have still not received it. The only way I can communicate with them is by postal service mail; the phone number they provide on their website is only for people who received a card but had it lost/stolen, not people who were supposed to get a card but never did and don't know what card number was on it (like me). I wrote them on December 12 but have yet to receive a response. Today, I got an email telling me to make a payment, which means the card was stolen and someone else is using it. I can no longer trust this bank because they have poorly conceived business model that puts customers' credit ratings (like mine) at risk.
Business Response
Date: 02/01/2024
Account closed as requested and fee waived.
Customer Answer
Date: 02/03/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

*****************************
Initial Complaint
Date:12/11/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Opensky Capital Bank,I, ****************************, am writing to urgently express dissatisfaction and formally lodge a complaint regarding my account with Opensky Capital Bank, . The details are as follows: Account Holder: **************************** Credit Limit: $1,000 In the past month, numerous issues have caused significant distress: Unauthorized Withdrawal Attempts: Unapproved attempts to withdraw payments from an unassociated account have raised serious security concerns. Account Freezing and Communication Delays: Every attempt to resolve these issues has resulted in account freezes and communication delays, even after promptly providing requested identity confirmation. Unresolved Account Closure and Missing Deposit: Despite my efforts to address these concerns, my account was closed without resolution, and my $1,000 initial deposit remains outstanding for a month. Impact on Credit Score: The issues with Opensky Capital Bank have adversely affected my credit score, necessitating urgent resolution. I request: Confirmation of unauthorized withdrawal attempts. A comprehensive investigation into communication delays and account freezing. Prompt return of my $1,000 deposit. Correction of the credit score impact. Due to the severity of these concerns, I suspect potential violations of relevant banking regulations. I expect a written response within 30 days, outlining the actions taken. Additionally, I explicitly request the removal of this account from my credit report due to inaccuracies. Failure to address these concerns may lead to the escalation of this matter to relevant regulatory authorities. I appreciate your immediate attention to this critical matter. Sincerely, ****************************
Business Response
Date: 12/04/2023
Hello BBB,

There seems to be some confusion on the consumers part. We are www.opensky.com, not www.openskycc.com. We are a retail site that sells products to consumers, much like ******.com or *******.com. We have no connection to the OpenSky Credit Card. It is just an unfortunate(for us) coincidence. The OpenSky credit Card support can be reached at **************.

Sorry for the confusion,

*******************************
Customer Operations Manager

Business Response
Date: 01/26/2024
January 26, 2024
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured Visa® Card customer ****** ****** **, on behalf of Capital Bank, N.A.
In order to comply with the Gramm - Leach - Bliley Act (GLBA), Capital Bank, N.A., has contacted the consumer directly. We have addressed their complaint and a letter was mailed to the customer today.
Our bank has requested that ****** ****** ** contact the Better Business Bureau directly in response to our findings. Please contact us as soon as you may hear from the consumer or within 30 days of receipt of his letter to update us on your records.
Sincerely,
Capital Bank
Customer Service
Account closed as requested and deposit refunded and cashed. No record of delinquencies.
Customer Answer
Date: 02/01/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

*************************
Initial Complaint
Date:12/07/2023
Type:Sales and Advertising Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had a zero balance on my credit card with them. I got a notice a bill was due on 11/18/23 via email. When I signed in I found there were two back to back charges on 10/19/23 at **** ***.com. One for 181.25 and one for 298.54. I know I didn’t make these charges so I called to report the fraud on 11/28/23. I was told I would be sent a letter to sign confirming the fraud, sent a new card and the charges would come off my account. Fast forward to 12/4/23 I got a email notice that my account was past due and I got a late fee added to the account. On 12/7/23 I received a letter in the mail stating their investigation had been completed and the charges were not fraud, that the card was present for the charges. If I wanted to dispute it further I had to send them a police report and a letter reporting the fraud. I never received the letter to sign reporting the fraud nor have I received the new card the claimed to have sent. This is typical fraud activity that they never flagged. How would they determine the card was present for an online purchase. I want these fraud charges removed.
Business Response
Date: 01/23/2024
Fraud claim was accepted and account was credited for transactions and associated fees
Customer Answer
Date: 01/24/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

*****************************
Initial Complaint
Date:12/07/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 9.20.23 I made a payment of $35.00 through my bill pay service due date was 10.03.23. On 10.3.23 the payment had not been processed and i incurred a $27.00 late fee (payment had been sent 14 days earlier) On 10.6.23 I made another payment of $50.00 because original had not been processed and i was traveling and did not have the ability to reach out to open sky. On 10.25.23 payment had still not been processed I called Open sky with my bill pay service on the line. Open sky suggested that I pay on line and have bill pay provider stop payment on check. Was advised an investigation would be open to address the issue and never heard back from Open sky On 10.26.23 Open sky processed the original payment (38 days after original payment issued) On 11.1.23 charged me $35.00 return check fee As of today 12.7.23 I have paid all fees associated even though this was clearly an error an Opensky. Part for processing after we agreed to stop pay and not processing it for over a month. My primary concern here is that my credit score has now taken a 78 point hit as a result of issues and i need Opensky to remove these late payment on my Credit Report . I will also file a dispute with
Business Response
Date: 01/23/2024
Fees were credited and an adjustment was made on the payment history as a courtesy,
Initial Complaint
Date:12/06/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had a Open Sky-issued credit card that had not been used since October 2023, because Open Sky blocked it. I received a bill early this year demanding an annual fee. I promptly called to let them know that I am not able to use the card as it declines every transaction. I just saw they are reporting late payments on a bill for {$178}, which is for the annual fee, in late fees, plus interest. When I called to say I will not pay an annual fee on a card that I have not been able to use, I was told it could not be reversed. I asked for a supervisor and made no headway. He asked if I wanted to reinstate the card. I said yes, I do not want my credit rating harmed, but I have no intention of paying an annual fee on a card that that was blocked. When it became clear that I was getting nowhere, I sent them multiple certified letters, they are still reporting this inaccurate late fee which is harming my credit and damaging my character, I said I would contact the *****
Business Response
Date: 12/26/2023
December 22, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer ******** ** ****, on behalf of Capital Bank, N.A.
In order to comply with the Gramm - Leach - Bliley Act (GLBA), Capital Bank, N.A., has contacted the consumer directly. We have addressed their complaint and a
letter was mailed to the customer today.
Our bank has requested that ******** ** **** contact the Better Business Bureau directly in response to our findings. Please contact us as soon as you may
hear from the consumer or within 30 days of receipt of this letter to update us on your records.
Sincerely,
Capital Bank
Customer Service
Business Response
Date: 12/27/2023
Account closed by bank accurately. Unable to reopened.
Initial Complaint
Date:12/05/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This account has been paid in full, but it is still reporting on my credit. Please update my credit score and remove it from my credit report.
Business Response
Date: 01/23/2024
We determined the information reported was complete and accurate as of the date(s) we furnished it.
Initial Complaint
Date:12/03/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
DELETE this account for inaccuracy OPENSKY CBNK ******XXXXXXXXXX ******* and ********** stated the information was verified and updated. After checking my most current report the information is still inaccurate! Nothing on the report was actually updated. The Date of last payment is still reported as 10/01/2021 on *******, and still 08/15/2021 on **********. If the information is coming from the same data furnisher it should be exactly the same, so we cannot say this account is 100% accurate so it is deemed INACCURATE. I've attached a copy of the previous report from 10/2023 and the new report from 11/2023 to this complaint. I DO NOT believe an investigation was ever completed by the credit bureaus. I am now requesting the Deletion of the account with OPENSKY CBNK. This is my right under section 609 of the Fair Credit Reporting Act (FCRA). (A) In general If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall- (i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and(ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Ive gone through all the proper steps to get this account updated, at this time these accounts need to be deleted. This is the law and if the accounts are not deleted OPENSKY CBNK BANK/CAPITAL BANK will be violating my rights as a consumer.
Business Response
Date: 01/23/2024
From: ************************* <****************************************>
Date: Tue, Jan 23, **** at 9:50 AM
Subject: RE: ************************* - BBB ID ********
To: ************@mybbb.org <****************@mybbb.org>
Cc: Dispute Resolution Team <[email protected]>

Good morning *****,

We conducted an investigation and we determined the information reported was complete and accurate as of the date(s) we furnished it.

The consumer has been provided previously with sufficient documentation to validate the reporting and the debt of the account.

*************************

Vendor Relations Associate II

OpenSky, a division of Capital Bank, NA

Office ******************

Email ****************************************
Initial Complaint
Date:12/02/2023
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with the "defenders" I do not have a contract with OPEN SKYCBNK They did not provide me with the original contract as I requested.
Customer Answer
Date: 12/21/2023
Hello BBB, the images are my letters of validation. Thank You
Business Response
Date: 01/23/2024
ID theft has been denied. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it.
Initial Complaint
Date:12/02/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This account does not belong to me yet it is affecting my credit score in a negative way. The account must be removed from my report report. Account info Account name ********************** CBNK Account number **************** Account type Credit card Responsibility Individual Date opened 03/24/2021 Status Account charged off. $185 written off. $185 past due as of Nov 2023.Status updated Nov 2021 Balance $185 Balance updated 11/05/2023 Recent payment -Monthly payment -Credit limit $800 Highest balance $986
Business Response
Date: 01/18/2024
January 18, 2024
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer ******* ******* on behalf of Capital Bank, N.A.
In order to comply with the Gramm - Leach - Bliley Act (GLBA), Capital Bank, N.A., has contacted the consumer directly. We have addressed their complaint and a
letter was mailed to the customer today.
Our bank has requested that ******* ******* contact the Better Business Bureau, directly, in response to our findings. Please contact us as soon as you may hear
from the consumer, or, within 30 days of receipt of this letter to update us on your records.
Sincerely,
Capital Bank
Customer Service
Business Response
Date: 01/19/2024
- ID theft claim was denied based on investigation conducted. We have determined that the information reported was complete and accurate as of the date(s) we furnished it.
Initial Complaint
Date:11/29/2023
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with the "defenders" I do not have a contract with OPEN SKY They did not provide me with the original contract as I requested.
Customer Answer
Date: 12/15/2023
Hello Better Business Bureau these are my validation documents thank you so much.
Business Response
Date: 01/11/2024
January 11, 2024
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer ****** *****, on behalf of Capital Bank, N.A.
In order to comply with the Gramm - Leach - Bliley Act (GLBA), Capital Bank, N.A., has contacted the consumer directly. We have addressed their complaint and a
letter was mailed to the customer today.
Our bank has requested that ****** ***** contact the Better Business Bureau directly in response to our findings. Please contact us as soon as you may
hear from the consumer or within 30 days of receipt of this letter to update us on your records.
Sincerely,
Capital Bank
Customer Service
Business Response
Date: 01/11/2024
See attached our response.
Business Response
Date: 01/11/2024
See attached our response.
Business Response
Date: 01/12/2024
We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it.

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OpenSky, A Division of Capital Bank N.A. is BBB Accredited.