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Business Profile

Credit Cards and Plans

OpenSky, A Division of Capital Bank N.A.

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BBB Accredited BusinessA 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

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OpenSky, A Division of Capital Bank N.A. has 2 locations, listed below.

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    Customer Complaints Summary

    • 523 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/09/2023

      Type:Billing Issues
      Status:
      Resolved
      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.
      The facts in this matter are not in dispute. I opened a secured credit card account with OpenSky a number of years ago with a $4000 security deposit. At the end of 2022, I closed this account in good standing and asked for my security to be refunded. No problem, they said they would issue a check. After waiting 6 weeks with no check and various phone calls, they then supposedly sent out another check on 2-15-23. As of today, the 9th of March, I have still not received this second check. When I spoke to OpenSky, they claimed they could not do anything till the 15th of March and then all they could do was issue another check by snail mail. When they took my money they had no problem doing an ach directly from my bank account. When I suggested sending the check by fed ex, they refused. More interesting i never had a problem getting there statements, but for some reason checks get "lost in the mail". My account number with them is *******************

      Business Response

      Date: 04/21/2023

      April 21, 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 ********* ********** directly. We have addressed their complaint and a letter was mailed to the customer today. 
      Our bank has requested that Frederick Freundlich 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

      [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:03/09/2023

      Type:Billing Issues
      Status:
      Answered
      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 company has violated my rights. I have disputed this unlawful account with them several times. I am attaching proof that this account on my credit report needs to be removed ASAP. I did some research and they violated these laws: 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C. ****s-2 (A)(1) 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 am very frustrated. This is my last attempt reaching out to you guys or I will have to take this matter to court and *** for all of these violations. Please remove these accounts ASAP. I have attached proof of my ************ breach information proofing my identity has been compromised.

      Business Response

      Date: 04/19/2023

      April 19, 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:03/08/2023

      Type:Billing Issues
      Status:
      Answered
      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 CBNK account ********** violated my consumer rights numerous of times I demand the late payments be removed or delete account because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy I did not give written permission to furnish account 15 U.S.C 1666B: a) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1692C (a) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

      Business Response

      Date: 04/21/2023

      April 21, 2023

      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 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:03/07/2023

      Type:Product Issues
      Status:
      Answered
      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.
      Open Sky stole $3,000. They said my money was refunded and they never rerurned the money. I held on the pbone for 30 minutes and rhey hung up. I need ro know what is going on. Rhos waa a secured credit card and now they say I only have $56.

      Business Response

      Date: 03/02/2023

      Hello BBB,

      It looks like there has been some confusion as to what company this complaint is for. There is a "secure card" mentioned and we do not provide that kind of service. I believe this complaint should be directed to the ******* Credit Card which is *****************.  

      We are www.Opensky.com. We are a retail site like ****** or *******. 

      The ********* people can be reached directly at **************.

      Thank you

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

      Customer Operations Manager

      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 ****** ****'s 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:03/05/2023

      Type:Billing Issues
      Status:
      Answered
      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 on 9/18/2022 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 a account without my written instructions 15 U.S.C 1666B: A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

      Business Response

      Date: 04/18/2023

      April 18, 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:03/02/2023

      Type:Customer Service Issues
      Status:
      Answered
      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 beginning with #****** with Opensky and do not have a contract with Opensky. They did not provide me with the original application like I asked.

      Business Response

      Date: 04/18/2023

      April 18, 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:03/01/2023

      Type:Billing Issues
      Status:
      Answered
      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 saw a late payment on my credit report from your company that I do not recognize. According to the **** transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. It has been a pleasure doing business with Opensky Bank and I would like to continue to be a proud user of this card. Due to this being a billing error I ask that this account be updated to paid as agreed on all 3 credit reporting agencies.Account Number: ****************

      Business Response

      Date: 04/17/2023

      April 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 Service

    • Initial Complaint

      Date:02/28/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      Open Sky credit card keep denying me credit when i put in my correct and honest identity information, each time i apply i get a message that say unable to verify identity. Somebody must have stolen my identity because i am who i say i am, and that is not right for them to deny me because i put in my right information at there website.

      Business Response

      Date: 04/19/2023

      April 19, 2023

      Dear Sir or Madam,

      We are responding to the complaint from the above referenced OpenSky Secured ****® Credit Card application. 

      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:02/26/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 12/2016 I opened a secured credit card account with Open Sky Bank. On June 2, 2017 they closed my account. I was told by an associate at Open Sky Bank that I did not owe any additional money. Now Open Sky is saying that I owe $155, and they've also listed my debt as a derogatory collection/charge off. I DO NOT owe them any money. Open Sky added those additional fees of $155 after my account was closed. I want my status changed to closed/paid off. Not derogatory/ charge off.

      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:02/16/2023

      Type:Billing Issues
      Status:
      Answered
      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 OPENSKY CAPITAL BANK NA do not have a contract with any collection agency. They do not provide me with the original application as I asked for Proof of copy of the original application including my signature Full payment history from the original creditor, and original agreement showing they can legally collect the debt. If cant send proof delete this account from your credit report as soon as possible! This is under 15 USC 1692g because they were to notify me of this in writing 5 days prior but I was not informed at all!

      Business Response

      Date: 04/04/2023

      April 4, 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

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

    BBB accredited business seal

    This business has committed to upholding the BBB Standards for Trust.

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