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

522 total complaints in the last 3 years.
157 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:03/28/2023
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.
In 2020, I invested $3000 of my hard earned money into a secured credit card with OpenSky to build my credit. I managed to get my credit score up to 771 with that card. Then on July 29, 2021 my bag with my ID, social, bank and credit cards were stolen. I filed a police report immediately that same day. I have reached out to Open Sky multiple times for a year and a half now asking for an affidavit to be sent to me so I can prove with the police report that my card has been fraudulently used since that date. Not only have I still never received an affidavit even during the multiple times I called and request it this year in 2023, they also seemed to have reissued a card to the fraudulent person and let them max out my account. That was MY MONEY not the company's and I deserve to have it back. Because of them not handling the fraud that was reported in a timely manner. My credit score went from 771 to 367 because of the balance that was allowed to be maxed out when the account and card should've been closes immediately once reported so no one could do any damage to my name. I really need my $3000 back right now. I'm a domestic violence victim on long term disability and not being given back money that is rightfully mines (when I keep trying to send in the police report and a picture of that ID to prove my innocence) just to be lied to and given the run around for nearly 2 years now is very upsetting and not right. I'm including all the proof I possibly can to show that this account used beyond 7/29/2021 was not me and that I still made payments to pay back what I know I still owed from when I was actually using it but would not be paying theft money back. I'm just trying to get my $3000 back like I have been patiently trying to do since the card was taken from me. The name of the card is also listed on the police report. According to the FDIC, legally I am not responsible for fraudulent charges made in my name and I should be getting thay money back. Please help me!!!
Business Response
Date: 05/25/2023
May 25, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer Ebonique R. Lee.
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
Initial Complaint
Date:03/27/2023
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.
Recently, I've reviewed my credit reports and found the following inaccurate late payments. Opensky Nov,2022, I reached out to the company multiple times, sent dispute letters, and still wasn’t able to get a resolution.
Business Response
Date: 05/02/2023
May 2, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer Lakaysha Davis, 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
Initial Complaint
Date:03/27/2023
Type:Service or Repair 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 opened a secured credit line with Open Sky. I closed the account and was told my security deposit would be returned to me. I never got the deposit back. I tried on 3 occasions to get the money refunded. The problem was always escalated to another department and never resolved. One lady called me back after my check was returned to them in the mail. Turns out, my address was too long and my full address wouldnt print on their envelopes. She said she was going to try and send it another way.. this was over a year ago. I tried calling but hold times are over an hour, just to have my complaint escalated and ignored. I just want my $250 back, but at this point Im not wasting anymore of my time. Im available if open sky wants to resolve the situation.
Business Response
Date: 05/11/2023
May 11, 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
Initial Complaint
Date:03/27/2023
Type:Service or Repair 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’ve been trying to reach out to OPENSKY for an account that’s not mine I sent them a letter by certified mail on January and Never heard back from anyone. I’m seeking an immediate removal of account. I have proof that I mailed this letter to OPENSKY below and I did Include my affidavit
Business Response
Date: 05/23/2023
August 30, 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 Service
Customer Answer
Date: 06/02/2023
[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: only because I'm waiting on the letter to arrive to ensure this is truly resolved I appreciate the response from capital and them taking the time to look into my concern

Regards,

***********************
Business Response
Date: 06/05/2023
Good morning,
The customer is stating he is rejecting only because he is waiting for our response letter to arrive in the mail. The letter was mailed out on 5/23/23 and we just sent it via email to the customer as well.
The account is reporting accurately to the credit bureaus. No further action is required.
Customer Answer
Date: 06/09/2023
[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: I Haven't received any documents about this complaint, and im requesting removal of account, I attached my identity affidavit, if the company needs any other documents please let me know.

Regards,

***********************
Business Response
Date: 06/12/2023
Good afternoon,
Please note a response letter was mailed out to the customer on May 23, 2023 and on June 5 and June 12, 2023 we have emailed a copy of the letter dated 5/23/23 to the customer explaining the decision made.
Our investigations confirmed the account is reported accurately and no changes will be made.
Thanks.
Customer Answer
Date: 06/15/2023
[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: once again I have sent the affidavit, I mailed the police report, please let me know if you would like me to upload police. Listen, this account has $156 balance if this was my account I would have no problem paying it but its not Iam therefore, asking for a removal of this account, can you please ask the company what additional information they need from me to remove this account thanks

Regards,

***********************
Business Response
Date: 07/05/2023
From: ************************* <****************************************>
Date: Mon, Jul 3, 2023 at 1:07 PM
Subject: BBB Case ID# ******** - ***********************
To: *************@mybbb.org <*******@mybbb.org>
Cc: Dispute Resolution Team <[email protected]>

Good afternoon *****,

Just wanted to advise that another response letter was sent to the customer today July 3, 2023 in response to their rejection.

The account is reported accurately, and account validation documents were provided to the customer.

This matter is closed.
Customer Answer
Date: 07/05/2023
[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:
As stated before this is not my account, Ive provided the company with the documents required per the **** $156 is not a lot of money if this were my account I would take accountability. However, this isn't my account and once again im asking for a removal of the account from my profile.

Regards,

***********************
Customer Answer
Date: 07/07/2023
I have not receive clarification from this company validating sent nothing baring my signature, this is literally an account $156 if it were my account I would pay for it but its not
Business Response
Date: 08/30/2023
Several investigations has been conducted and the ID theft claim continues to be denied.
No new evidence has been provided therefore we are considering this matter closed.
Customer Answer
Date: 08/31/2023
[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: I haven't recieved letter can you please upload letter on this platform as well

Regards,

***********************
Initial Complaint
Date:03/24/2023
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.
COMPANY REPORTING ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH COMPANY, ACC# UNKOWN, $150.00, NEVER LIVED IN THE *******************, ACCOUNT OUTDATED PAST STATUTE OF LIMITATION TO COLLECT EXPIRED,SSN(LAST 4) ****, DOB 10/13/1983
Business Response
Date: 05/23/2023
May 23, 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 Service
Initial Complaint
Date:03/23/2023
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.
Date of Issue: Sept 2022 to now Amount paid: $2 and $200 What business committed to provide: Secured credit card Nature of dispute: Called to discuss account and was told a manager would contant me w/in the week. Didn't hear from a manager from several months even though I called regularly and agents escalated my request numerous amounts of times. This delayed manager call resulted in my account becoming delinquent (even though I hadn't used the account for months and the balance was current) and negatively affecting my credit report and score by over 70+ points. Opensky initially said they would remove the delinquencies and restore my 12 month history but they only did it for Oct 2022 then readded them and closed my account without permission. They also only partially refunded my original $200 deposit even though my account was current at the time of delinquency. After several more calls, financial destruction, and credit denials, OpenSky said they would only remove the delinquencies if I proved it negatively affected me. (This is a bizarre and unwarranted request).Whether or not the business had tried to resolve problem: They have not. The last call I received was two months ago - I was told I would have action or receive a call back but I have not heard from the company. They are requesting I prove adding delinquencies to a credit profile will negatively affect someones credit when they are a credit card company that knows the impact of doing so and has blog posts about it. They also have reference posts from other financial companies on the footer of their website stating as such:1 Source: Heres How Much Money Bad Credit Will Really Cost You (fool.com)2 Source: The Cost of a Bad Credit Score (onlinegrad.************)Account Number: ends in ****
Business Response
Date: 05/01/2023
May 1, 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 Service
Customer Answer
Date: 05/12/2023
[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:
The demands sent to OpenSky have not been fulfilled in full. In fact, they have worsened. The only correction they have done so far is to send the refund of $176.00 they illegally held. They allege they have submitted an Automated Universal Data form (AUD), number *********, to the consumer reporting agencies but they have not done so. I called each agency and they said they update within 3-5 busines days of receiving requests. They all said there have be no updates since April. My credit reports for *******, **********, and ******** also still show the following points that need to be corrected:
1. THEY REPORTED MY ACCOUNT TO TRANSUNION AS 120 DAYS LATE FOR APRIL 2023!!!!!! WHAT INSANITY IS THIS?!? THIS IS NOW A FINANCIAL CRIME - PLEASE INVESTIGATE THIS MALFEASANCE.

2. $176 days delinquent high balance (I was never delinquent so the account history shouldn't show this high balance).

3. Delinquent Sept 2022 for 30 days, then delinquent Nov 2022 for 90 days, then delinquent Dec 2022 for 120 before closing the account without resolution. REMOVE ALL DELINQUENCIES!!

4. Requiring me to prove delinquencies hurt my credit when they have blog posts about it and THEY ARE A CREDIT CARD COMPANY THAT ALLEGES THEY HELP PEOPLE ESTABLISH A POSITIVE PAYMENT HISTORY. It is sadistic to knowingly injure someone and then require them to show you the injury. This practice needs to be stopped.

5. An apology.

6. An explanation detailing THEIR errors that I can send to creditors that denied me for credit and to future creditors for the explanation of an over 70+ POINT DROP in my credit score.

-**************
Business Response
Date: 05/31/2023
From: ************************* <****************************************>
Date: Wed, May 31, 2023 at 1:14 PM
Subject: ****** ******* - BBB Case ID# ********
To: *******@mybbb.org <*******@mybbb.org>
Cc: Dispute Resolution Team <[email protected]>, ******************************* <*******************************************>

Hi *****,

I was unable to close this case on the portal. This was a rejection we received and another BBB complaint that came in the mail to the attention of our CEO.

We responded to the customer and a response was mailed out today May 31, 2023.

The tradeline has been deleted and this was reported to all 3 major credit bureaus. Confirmation of the deletion was provided to the customer on the response letter.

Please let me know if you have any question.
Customer Answer
Date: 06/05/2023
[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:

Attn: *************************, *******************************, Capital Bank NA, and Open Sky

You shouldn't be able to close the case in the portal because Capital Bank NA, by way of Open Sky, is still ruining my credit and financial future in an ongoing and deliberate manner. None of the letters sent from Open Sky are signed and the purported actions taken in the letter have not come to fruition. Below are the current credit report statuses.

********
-Account marked in red "LATE PAYMENT" 06/01/2023 Sept 2022 (30) and Nov 2022 (90 days)
-Highest balance $173
-Btw, how can an account go from 30 days late to current and then 90 days late the next month? HOW?!
-Credit score still in shambles
-Constant automatic rejections from Capital Bank and Open Sky whenever disputes are opened with no correction to report information

*******
-06/01/2023 High balance/credit listed as $173 Jan 2022(?), June and Aug 2022 - that was never real.
-Historical data still shows delinquency's for 06/01/2023 Sept 2022 (30) and Nov 2022 (90 days)
-Credit score restored to over 700+ as it was before Capital Bank NA and OpenSky enacted their financial crime on my account.
-Constant automatic rejections from Capital Bank and Open Sky whenever disputes are opened with no correction to report information

**********
-High balance/credit listed as $173
-Credit score still in shambles
-April 2023 listed as late then removed. Why would you do that?
-Constant automatic rejections from Capital Bank and Open Sky whenever disputes are opened with no correction to report information

My****
-Credit score still in shambles and reflecting worse than ********** and ********

I have still not received an explicit apology or a reason as to why a credit "help" company is asking for evidence of delinquency damage when they reported the delinquency themselves AND have online blogs and advice about how damaging delinquencies are to a credit score and report. Someone at Open Sky or Capital Bank NA is deliberately slow-footing this correction and purposefully damaging it real time by reporting a closed account as late for April 2023. You all are sadists.

Thank you for the notification, *************
-**************
Business Response
Date: 06/12/2023
Good afternoon,
An email was sent directly to the customer today June 12, 2023 confirming services fees were refunded and adjustments to the credit reporting were made on the customer's favor. No further investigation/ action is required on our end.
Thanks.
Initial Complaint
Date:03/22/2023
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 January 2023, I contacted Opensky about my account. I spoke to someone at customer service. They informed me of the amount owed on the card plus the fees that opensky had charged me. The customer rep assured me that she would send a message to her supervisor to have the 3 late charges remove if I paid the amount I owed. I went ahead and paid of the total balance on the card minus the late charges that the rep told me her manager would remove. I requested that my card be closed and that I receive back my deposit. In February I was furious after receiving a letter stating that I had a passed due on the card. I called opensky and was told that the customer rep didn't do as promised. I explained everything to the new rep who told me that she would only be able to remove 1 late charge and only her supervisor can remove the other 3/4 late charges as previously promised. None of that was ever done. I called again to find out that rep and her supervisor didn't follow through. As of this moment, OpenSky has charged me another late fee on the late fees that they have placed on my account and had caused my credit to drop 61 points. I NEED THIS ISSUE TO BE RESOLVED RIGHT NOW. I NEED THEM TO REMOVE ALL THOSE FICTITIOUS CHARGES ON MY ACCOUNT, SEND A LETTER TO THE CREDIT BUREAU TO CORRECT THEIR WRONG AND CLOSE THE ACCOUNT AND RETURN MY MONEY. THE MIGHT ALSO NEED TO RETRAIN THEIR EMPLOYEES. VERY POOR CUSTOMER SERVICE.
Business Response
Date: 03/21/2023
Hello BBB,
There seems to be some confusion with this complaint. This seems to be for the OpeSky credit card which is www.openskycc.com. We are www.*******.com, an online retailer like ****** or ******** The OpenSky credit card support can be reached at **************. Sorry for the confusion.
*******************************
Customer Operations Manager
Business Response
Date: 05/11/2023
May 11, 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

Customer Answer
Date: 05/20/2023
[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:

Regards,

*****************************
Initial Complaint
Date:03/20/2023
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.
In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC **** Under 15 usc ****b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.PAYMENTS WERE ALWAYS PAID ON TIME OPENSKY CBNK Account Number: **************** Date Opened: 05/01/2020 Past Due: $199.00 Payment Status: Late 60 Days Please correct/update this inaccurate information on my credit report.
Business Response
Date: 04/07/2023
April 7, 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 Service
Initial Complaint
Date:03/16/2023
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.
company is on credit report. states i owe $247.10 but they kept my $200 deposit so balance is incorrectly reported to 3 credit agencies damaging credit.. remove from credit and make balance zero in lieu of damages to credit report
Business Response
Date: 05/01/2023
May 1, 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 Service
Initial Complaint
Date:03/10/2023
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.
Account number **************** on my consumer file is completely inaccurate. According to FDCPA I am too put this company on noticed which I have done so more then once. How can you charge off a secured card? I was never provided validation. This account is to be removed as it is fraudulently placed on my consumer file. This company nor is Capital Bank even eligible to do business in my state. I request this account to be removed immediately and I am to be compensated as well for damages!
Business Response
Date: 04/20/2023
April 20, 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
Customer Answer
Date: 04/26/2023
[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:
I request proof that OpenSky has a license to do business in my state in which OpenSky nor capital bank does.
I too decline because I was not provided legal validity according to 15 USC 1692g(a)
I too decline because the documents sent to me came from the company *********************** which I have served a cease and desist letter to which means you have further broken federal law as well as state law.
Must you, ***********************, continue to converse with me in any way I will hold you to not only federal but state court as well and the documents sent to me has proven that your company used interstate commerce to purchase my non public information.
This will be my last attempt of good faith. You are to permanently delete this account from my consumer report as it has been fraudulently placed.
I too request monetary relief in the amount of $5,500. Must you continue to break federal and state law the damage amount will increase significantly.
Regards,

******** *******
Business Response
Date: 05/31/2023
From: ************************* <****************************************>
Date: Wed, May 31, 2023 at 10:20 AM
Subject: RE: [External] - Re: ******************** BBB ID# ********
To: *********************** <**************@mybbb.org>

Hi *****,

Per your request here is the information about the above-mentioned case.

A response letter was mailed out to the customer on May 26, 2023 enclosing proof of account validity, such as copies of credit card statements, cardholder agreement, proof of application submission and it was confirmed the account is being reported accurately to the credit bureaus.

Please let me know if you have any question.

Thanks,

~******
Customer Answer
Date: 05/31/2023
[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: I am not being provided with what is being requested. Please provide me with this company's license number or registration number showing where you are legally able to collect in my state. Show me proof of all disclosures given under 15usc6802a(A)(B)(C). I will also include the law here below for you to read. Also, statements of alleged purchases does not provide proof of the alleged debt.
15 usc 6802 disclosures: (A)
such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section **** of this title, that such information may be disclosed to such third party;
(B)
the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and
(C)
the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Please provide proof that I was sent notice within 5 days of the initial communication being the day you claim I opened the account, of this alleged debt.
I have reached out to my state and they have informed me there are no records indicating OpenSky nor Capital Bank has legal license to do business in my state.
If you can not provide ALL that is requested, you must delete this account from my report as it is illegally placed.
Regards,

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

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Important information

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

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