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 Find Local Branches.

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  OpenSky, A Division of Capital Bank N.A.

  10700 Parkridge Blvd Ste 180 Reston, VA 20191-5429

  
• 

  OpenSky, A Division of Capital Bank N.A.

  1900 Campus Commons Dr Ste 130 Reston, VA 20191-1530

  

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:01/24/2023

  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.

  OpenSky told me by phone in the first week of January that they would send me a replacement credit card because mine was lost or stolen. Today an OpenSky phone rep told me that they have not even sent the card out yet (so it is not even in the mail yet at all). They said they will be sending the card "soon" with no clarification about what "soon" means. This means that OpenSky has my money (it is a "pre-paid card"), but they are not allowing me to use the account because I cannot use the account without the new card being sent to me. It is my understanding that BBB has received similar complaints about OpenSky in 2022 and now in 2023.

  Business Response

  Date: 02/16/2023

  February 16, 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:01/24/2023

  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.

  This company has recently indicated a 30 days late on my credit report. The last 4 of my ssn is ****. I have never received any statement whatsoever. Moreover, there was a charge from Apple I disputed on my account and must be removed yet they have never followed up on the dispute charge and left it on my account which makes this inaccurate billing and inaccurate balance reporting on my credit report.

  Business 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
  

• Initial Complaint

  Date:01/23/2023

  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.

  On January 1, 2023 I opened an OpenSky secured credit card and put down a $200 deposit. I was told my card would arrive in ***** days. It's now been over 3 weeks, so I decided to call customer service. The representative I spoke to stated that my card has not even been produced yet and they'll be getting to the people who ordered one this month at some point. I asked if there's any way I can get a virtual card to use and was told no. I asked if I could get my money back and was told I could but it would take around 8 weeks. I have never been more frustrated over a company. I feel there is only 1 resolution that would work for both parties and that is to give me my card as promised when I paid my deposit.

  Business Response

  Date: 02/15/2023

  February 15, 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:01/22/2023

  Type:Product 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 applied for an open sky secured credit card at the beginning of the month. I was approved for the card, and put my deposit of $300.00 down, which cleared. I actually had an issue with it clearing to begin with, not realizing that my debit card has been temporarily blocked by my bank due to possible fraud. I actually called opensky for help wondering why my payment wouldnt process although I had sufficient ****** ****** were very polite and helped in solving my issue; advising me to call my bank and offering other avenues to fund my card. After the payment cleared, the next page congratulated me on my open sky cc approval and notified me that I would receive it in about a week, however underneath it advised me that they didnt know when I would receive my open sky secured **** card that i just put my only $300 on in order to build my credit, (due to having my identity stolen after working for years paying my bills on time and having a steady credit score of 785), because of manufacturing issues. It said that the company that makes their plastic doesnt have enough plastic to manufacture any cards, therefore my money, which may not be a lot to others, but when youre the sole provider of your family and dont have any extra money to even save, that is a lot to me, and ** being told they dont know when or even if I will receive my card. They offered a link to cancel my account but not without saying that it will hurt my credit score exponentially more than it already is, and that if I choose to do that, I might receive a check 4 weeks down the road if not more. This is unethical and if this is the case, should probably inform the consumer ahead of time, that they are doing themselves a major disservice. I would like to know when I will receive my credit card or be refunded my money in a timely manner without damage to my credit!

  Business Response

  Date: 02/09/2023

  Dear Sir or Madam,
  
  We are responding to the complaint from our OpenSky Secured Visa® 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:01/19/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Opensky and do not have a contract with OpenSky, A Division of Capital Bank N.A. The account number assigned to me is ************. They did not provide me with the original application like I asked for.

  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 Service
  

• Initial Complaint

  Date:01/16/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid a deposit to OpenSky off $300 for a credit building credit card and I have not received a account number or credit card. I want my deposit back and the account closed but I cannot get ahold of anybody within the company.

  Business Response

  Date: 02/17/2023

  February 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:01/12/2023

  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 signed up for a secured credit card through OpenSky over a year ago, and have been using it to build credit. I no longer want/need the card, and would like to cancel my account, and get the money back that I put down for a deposit on the card.Unfortunately, I can't get ahold of the business. I have been trying for a couple months, there is always a long hold time when trying to speak to a representative, and then I am hung up on before connecting. I've tried this with multiple phone numbers, in my home, and at work. I have never once even been able to speak to a representative, and they do not have any options for me to close my account online. I need this resolved quickly, I'm feeling like my money is being held hostage, and my only recourse will be to use the card, which then requires me paying it off. I want my deposit back.

  Business Response

  Date: 02/16/2023

  February 16, 2023

  Dear Sir or Madam,

  We are responding to the complaint from our OpenSky Secured ****® Card customer Diamond Last, 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 Diamond Last 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:01/12/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with OPENSKY CBNK and do not have a contract with any collection agency . They do not provide me with the original application like I asked Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt . If cant proof all 3 delete this account from credit report as soon as possible!n that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt . If cant proof all 3 delete this account from credit report as soon as possible!

  Business Response

  Date: 02/07/2023

  Dear Sir or Madam,
  
  We are responding to the complaint from our OpenSky Secured Visa® 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:01/11/2023

  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.

  Opensky (I applied for a credit card 2 months ago and I still haven't received it and when I call they just give me an excuse and they tell me to wait when I call to cancel and they don't answer the call opensky have a deposit of $200 from me.

  Business Response

  Date: 02/16/2023

  February 16, 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:01/11/2023

  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.

  OpenSky has been falsely reporting information to my consumer report. I have sent in several disputes and debt validation letters demanding they show me I am responsible for the account they say I owe they have failed to do upon each request. No permissible purpose was given for such information to be reported, therefore this is identity theft! No proof that this account belongs to me has been brought to me, and no contract bearing two wet signatures between both parties! This is violating my rights under 15 USC **** s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC **** section 602 A-states I have the right to privacy 15 USC ****a Section 2-Definitions; rules of construction/Exclusions 15 USC ****b-Permissible purposes of consumer reports 15 USC ****-Criminal liability for a willful and knowing violation 15 USC ****-Obligations with respect to disclosures of personal information 15 USC ****-Protection of nonpublic information 18 USC ****-Identity Theft

  Customer Answer

  Date: 01/20/2023

  No third party is involved in this matter. Thanks.

  Business Response

  Date: 02/15/2023

  February 15, 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: 03/02/2023

  [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: They have sent me documents in the mail still not verifying that a debt is mine, there is no wet signature between this corporation and I. I will be seeking legal action in this matter, The continuance of reporting to my credit report without accuracy or permission is illegal and also identity theft. This corporation is in violation of my rights per 

  
  

  15 USC 1681q Obtaining information under false pretenses
  15 USC 1681o Civil liability for negligent noncompliance
  18 USC 1028a Identity theft
  15 USC 1681 b(2) Permissible purpose
  15 USC 1681a(4) Right to privacy

  
  

  This corporation is violating consumer law! 

  
  Regards,
  
  ***************************
  

  Business Response

  Date: 03/30/2023

  Good afternoon, 

  See attached our response. We have previously responded to the debt validations received from the customer and the ID theft claimed has been denied based on our investigations. 

  We consider this case as closed. 

  Customer Answer

  Date: 04/09/2023

  [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 be legally handling this matter moving forward. 
  Regards,
  
  ***************************