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
- 523 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:02/07/2023
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.
Back on 12/26/2022 I disputed the account Open Sky ********* and requested that the reporting information be investigated for accuracy and consistency in which they verified that it was but isn’t. According to 15 USC 1681i they are supposed to have accurate information being reported to all three credit bureaus which they aren’t and are in violation. I am entitled up to $1000 per violation and will collect and not handled by OpenSky removing the account from the credit report. The account status is inaccurate and inconsistent across the credit bureaus. OpenSky keeps reporting the account with a new status when it’s indeed charged off but it’s negatively affecting my report every time. Evidence provided below.Business Response
Date: 03/08/2023
March 8, 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 Erin Jones 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:02/06/2023
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.
I purchased a prepaid **** card from this company with the sole purpose of building my credit. The requirement is at least $200 down and I put down $700. Somewhere I completely missed where it says you have monthly fees of $32. Which I was not expecting because to me a prepaid **** seems pretty straightforward right???????? So anyway at the time I was in transition and moving around a lot and did not have a steady address. So I missed months of statements, that at this point, I expected to be at a zero balance because I had not used nor even activated my card yet. So when I finally get a bill and open it I see that I am months behind with late fees to boot. I immediately call and explain and pay $64 after getting $50 in late fees waived. Only to turn around and have a 2 month delinquency placed on my credit report that dropped my credit 200 points overnight down to 476 after spending almost $1000 in the past year building it up to 676. When I called in I was told that they could not just pull the payment out of the $ I had already sent so I was furious because they had an additional $500 over what they asked for already of my $ that they could've pulled this $ from and covered me. Knowing that this card is specifically used to help people build their credit but instead they decide to say that I was 2 months delinquent. So the next bill comes and I see that they have pulled $82 off of my card for a fee. so I am immediately infuriated because 1st how did we jump from $32 to $82? 2nd the whole supposed reason for my 2 month delinquency is because you're supposedly unable to pull from my card. I immediately call and cancel my card and request a refund of the balance. I am submitting a copy of the refund check. In total they were paid $146 in fees over the course of a few months for a card I never got to use myself. So I feel like I paid to have my score dropped with a delinquency I did not deserve. I would like them to remove this delinquency from my credit report.Business Response
Date: 03/08/2023
March 8, 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:02/05/2023
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.
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!!OPENSKY CBNK #******XXXXXXXX *********************************** RESTON, VA ************* I will never stop filing complaints against you because I know my rights! In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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.Business Response
Date: 03/24/2023
March 24, 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:01/31/2023
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.
I am unable to access my account because they say I have a security form i need to fill out. This company is a scam. They have sent me no information via mail correspondence. I started my account with them using my PayPal checking account to deposit money for my open sky credit card. I used my credit card when I received it and then went to pay my account balance with the same PayPal checking account I used to make my deposit. They returned the payment and put my account on freeze. I had adequate funds for the payment to be processed. This is an error on their end. Now they are saying i cannot use my card and owe money for late fees and having to make my payments over the phone charging me $10 for over the phone payments, because they wont allow me to do so online. Because of my fraudulent account freeze. This company has been a nightmare from the start. I would like to be able to restore access and unfreeze my account. If I was not using their app I never would have been aware any of this was occurring on my account. Now my credit score will be affected because I utilized over 75% of my $200 credit limit after my payment due date because they returned my payment. I have attached proof of my account being restricted from use on their app. This is how I found out about my account discrepancy.Business Response
Date: 02/28/2023
February 28, 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:01/30/2023
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.
I ***********************************, made a fraudulent charge claim with my credit card company Opensky on or in between these dates ( 09/17/2022 - 10/30/2022) about charges on my card I didn't make. The company advised me that it could take anywhere in between 30 to 90 days to complete the investigation. It is now (01/30/2023) and still I haven't received any response from the company about my claim. They are harassing me about paying the balance but have not let me know what's going on with the claim.Business Response
Date: 03/03/2023
March 2, 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:01/30/2023
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.
Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with ___Transunion, ___Equifax, ___Experian. I am requesting that your company please forward me a copy of the ****-C that was issued by your company when you charged this debt off with the *** which is required by law for all debts over $600.Business Response
Date: 02/24/2023
February 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:01/29/2023
Type:Product 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.
Made a deposit on January 3rd for a secured credit card... I was told up to 15 business days to receive my CC... It's been 19 business days since I was approved... Still no card... Yet they send me a bill for a CC payment and it also shows the 35 dollar yearly charge... I called to cancel and go elsewhere and they told me 8 weeks to receive my deposit back... Complete SCAM!Business Response
Date: 02/21/2023
February 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 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:01/28/2023
Type:Billing 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.
I've had an OpenSky card for a couple of years with no issues until December 2022. I have my account set up for automatic payments on the 4th of every month which has worked fine. On December 2, 2022, as I was going through all of my bills, I saw that I had an account balance of $35.70 so I went ahead and paid it while I was paying everything else. On December 4, 2022, OpenSky did an automatic payment for $35.70 even though I had manually paid that two days prior. I checked my bank account and both payments had posted on December 6, 2022, but the duplicate payment was never credited back to me. I'd like a refund for that payment.Business Response
Date: 02/21/2023
February 21, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer Terri Foster.
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 Terri Foster 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: 03/08/2023
[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:01/27/2023
Type:Product 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 claims to help establish credit with a pre-paid card. They advertise to receive the card in 12-14 days. They have taken $300 and claim the card will be 4 weeks to be received. To cancel the customer has to wait the refund in the mail which takes 4 weeks. So the company has interest free use of my $300 for over a month. This is falsely advertised. This is deceptive advertise and potentially stealing from customers.Business Response
Date: 02/16/2023
February 13, 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:01/25/2023
Type:Product 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.
We opened a pre-paid credit card with Open SKy with a deposit of 500.00. We found out MANY fraudulant charges had been made. I paid the balance due on the card and called customer service to close the account. I explained the charges werent valid. THey closed the account and said they would open an investigation. I asked about my payment and they said if the charges werent valid the payment and deposit would be refunded. More charfgges were made so I made another payment of 200.00 to keep our credit good and again called customer service. They said the investigation was on going. I recieved a letter from them stating I would be refunded 600+ dollars, Today I recieved a bill from them stating we owe them 227.54, We still have not recieved any refund from them. I called cust service again and was told the 227.54 would be taken out of the 500.00 deposit and a check would be sent in 8 weeks. THis is insane. I made payments for fraudulant charges and they are not going to refund any of it. They took money for fraud!!!! I want our money backBusiness Response
Date: 03/01/2023
March 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
OpenSky, A Division of Capital Bank N.A. is BBB Accredited.
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