Credit Cards and Plans
OpenSky, A Division of Capital Bank N.A.Headquarters
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
- 522 total complaints in the last 3 years.
- 157 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:06/25/2023
Type:Billing IssuesStatus: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.
OpenSky was paid in full moths ago by myself on an account that had been closed for over 2 years. They are reporting my information wrong ever month even though I have contacted them multiple times in regards to the FACR laws but to no avail. I paid the account to $0 on a closed account and now they are reporting a revolving/ open /unpaid account. The are killing my Credit score every month and will not report the accurate information that has been provided to them to the credit bureaus. I have filed multiple disputes through the bureaus as well but they won't correct the inaccuracies.Business Response
Date: 07/07/2023
July 7, 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 ServiceInitial Complaint
Date:06/22/2023
Type:Service or Repair IssuesStatus: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.
Opensky credit card company approved me for a credit card with 200 security deposit and I have never received a card the customer service is extremely rude I want account canceled with no negative reports on my credit and my full 200 security deposit refunded as they did not fulfill the deal on their endBusiness Response
Date: 07/25/2023
July 24, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer ***** ********.
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 ServiceInitial Complaint
Date:06/21/2023
Type:Service or Repair IssuesStatus: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.
Incorrect credit reporting of a 30 day late payment which they have continually acknowledged, agreed and stated they notified the CBR's in Oct 2021 to correct, but It still has not been deleted or resolved! They could have easily just either not responded to the disputes, or respond and delete the 30 day lat but they just keep verifying this! When the account was initially opened the first card was not delivered to me and was returned to Capbk - OpenSky. I first became aware that there was an issue when one of my credit report monitoring services flagged as a 30 day late payment on this account. I immediately called CapBk and the lady I spoke with confirmed that the card had been returned to them. She said she would resend the card to our mailing address (which she did, I received and have used the account since that time without ANY late payments) she indicated at that time that she would correct and remove the 30 day late because of the circumstances. My husband took over and followed up several times in the next 90- 120 days as well as filed a dispute with the credit bureaus. He reached them again in approximately March of 2022 and they again stated again that they had sent the CBR's the deletion and update and would follow that up again. We also disputed with the CBR's after 45 days when it did not update and they reverified it again! We filed a complaint with the CFPB against the CBR's and Opensky to NO avail!!! WE have called and disputed this so many times, this is really an unfair credit practice in accordance with the FCRA. This is really very unbelievable that with all of the credit regulations (FCRA, FDCPA) and supposed regulatory enforcement via the CFPB etc, this should have been resolved long ago! This has financially impacted our finances. and we are reviewing additional measures which we'd prefer to resolve amicably, if this can't be resolved voluntarily by CapBk-Opensky. It really shouldn't have gotten to this point.Business Response
Date: 07/26/2023
July 26, 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 ServiceInitial Complaint
Date:06/21/2023
Type:Customer Service IssuesStatus: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 HAVE BEEN DENIED FOR A NO CREDIT CHECK CREDIT CARD stating unable 2 very ID. Please do not response back and tell me to call the applications dept or customer service neither would ger me a manager or EVEN HELP ME UNDERSTAND WHAT DOCUMENTS I NEED 2 SEND IN TO PROOF MY IDENTITY. DO YOU NEED MY DL SS CARD ELECTRIC BILL. WHAT DATABASE ARE YOU LOOKING AT SO I CAN FIX IT. WHAT IS THE ISSUE? AM.I BEING DISCRIMINATED AGAINST. DO I NEED TO FILE ADDITIONAL.COMPLAINTS WITH THE CFPB OR STATE ATT GENERAL. WHY AM I BEING TREATED THIS WAY. SSN *********. **** *** DOB **********. AZ DL *********. *** * *** *** APT *** TUCSON AZ *****. TEL#**********.Business Response
Date: 07/19/2023
July 19, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card applicant **** ***.
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 consumer 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 ServiceCustomer Answer
Date: 07/31/2023
It still has not been resolved I reapplied and no response I did exactly what they asked me to do I lifted the ********** reportCustomer Answer
Date: 08/01/2023
I still have NOT BEEN approved unable to reach anyone to help me followed their directionsCustomer Answer
Date: 08/10/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because:It still has not been resolved I reapplied and no response I did exactly what they asked me to do I lifted the ********** report
I still have NOT BEEN approved unable to reach anyone to help me followed their directions
Regards,Business Response
Date: 08/22/2023
August 22, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer apex Law, 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 Apex Law 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 ServiceBusiness Response
Date: 08/24/2023
Our decision was made based on a third party results. Customer was directed to contact the third party directly for further assistance.Customer Answer
Date: 08/29/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because: again their response to the BBB and ne directly still has not been fixed
Regards,Initial Complaint
Date:06/21/2023
Type:Order IssuesStatus: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.
IM NOT LIABLE FOR THIS DEBT WITH OPENSKY CAPITAL BANK NA AND DO NOT HAVE A CONTRACT WITH CONVERGENT. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED.Business Response
Date: 07/17/2023
July 17, 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 ServiceInitial Complaint
Date:06/21/2023
Type:Billing IssuesStatus: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.
In accordance with the Fair Credit Reporting Act, the account below has violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. OPENSKY CBNK - Account #**************** 15 USC 1681 Section 602 A, also states: I have the right to privacy. 15 USC 1681 Section 604 A, Section 2, also states: A consumer reporting agency cannot furnish an account without my written instructions. 15 USC 1681c (a)(5) Section, states: No consumer reporting agency may make any consumer report containing any of the following items of information: (5) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 (A)(1), states: A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have opened a dispute on OPENSKY CAPITAL BANK NA and asked them to REMOVE a "charge-off" on my credit report, of which they DO NOT HAVE MY WRITTEN CONSENT to report and is also an adverse item of information, and they have ignored my rights by not removing the item.Customer Answer
Date: 07/27/2023
From: ********************* <**************************>
Date: Thu, Jul 20, 2023 at 4:05 PM
Subject: Complaint ID: ********
To: <************************************>
In response to your email, I am the consumer filing the complaint against OPENSKY CBNK, not a 3rd party.. If you need any other information, please feel free to contact me @ ************* (faster response), or via email.. Thank you..
*********************Business Response
Date: 08/17/2023
August 17, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer ***** ** *****.
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 ServiceBusiness Response
Date: 08/22/2023
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:06/17/2023
Type:Billing IssuesStatus: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.
Going through my credit reports, after finding a false account and erroneous information, I located this trade line well. And am demanding it be removed from all 3 credit bureaus on my credit reports immediately and permanently. As I do not own, nor do I owe this company any money. They are inhibiting my financial future by having this fake trade line associated to my credit and it needs to be handled. My attorney has already advised me to make a formal complaint on an open forum to give this company a chance to rectify this situation, but if not, litigation will be filed and a lawsuit will be bought against them.Business Response
Date: 07/11/2023
July 11, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer ***** ******.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 ServiceInitial Complaint
Date:06/16/2023
Type:Billing IssuesStatus: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.
In accordance with the Fair Credit Reporting Act OPENSKY CBNK Account #**************** , has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.c 1681 section 604 A Section 2; It also states a consumer reporting agency cannot furnish an account without my written instructionsBusiness Response
Date: 07/10/2023
July 7, 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 ServiceBusiness Response
Date: 07/12/2023
Hello,
Our investigation confirmed the account is reported accurately in accordance with FCRA.
Initial Complaint
Date:06/12/2023
Type:Service or Repair IssuesStatus: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 did not open this account.I have tried to have it removed with no success.I am a victim of cyber theft and have provided this information to the credit bureau with no success.Business Response
Date: 07/05/2023
July 5, 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 ServiceInitial Complaint
Date:06/12/2023
Type:Product IssuesStatus: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.
Subject: Delayed Refund of Secured Deposit by Open Sky CC Description of the Problem:I contacted Open Sky CC on April 19th, 2023, to close my secured credit card account with a zero balance. They assured me a $200.00 deposit refund would be sent via mail. However, the check was returned on May 22nd due to an incorrect address. Despite verifying my address multiple times, Open Sky CC issued another check on May 24th, which they claimed got lost in the mail. After numerous calls and delays, they now state I will receive the third check refund in mid-July. I seek assistance in obtaining a prompt resolution from Open Sky CC.Customer Answer
Date: 06/28/2023
From: ********** <*********************>
Date: Wed, Jun 28, 2023 at 1:03 AM
Subject: *************************, complaint # ********, Was Paid
To: <[email protected]>
Hi BBB,
I received my 200.00 security deposit yesterday, 06/26/2023.
Kind regards,
*************************
*********************
************
OpenSky, A Division of Capital Bank N.A. is BBB Accredited.
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