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

523 total complaints in the last 3 years.
158 complaints closed in the last 12 months.

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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:11/25/2023
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.
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not.[************ I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. I is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable te provide that proof, or if lacking proof of these payments being late. please update my_payment history to PAANL status (Paid As Agreed Never Late) according to consumer protection laws
Business Response
Date: 01/08/2024
January 8, 2024
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
Business Response
Date: 01/10/2024
We determined the information reported was complete and accurate as of the date(s) we furnished it. ACDVS were responded to Two LFs waived as courtesy. Account updated for C&D and closed as a result. Advised of SDR process. Cited FCRA
Initial Complaint
Date:11/24/2023
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.
Hello, there is a false reporting problem with my credit report.I sent certified mail & return slip of documents with proof I have been a victim of identity theft, my proof of identity & a complete FTC Affidavit to the three credit agencies and to OpenSky/CapitalBank. OpenSky/CapitalBank in regard to account# ********** is claiming I opened this account. I have insisted multiple times to them and the credit agencies that I did not. Identity Theft pursuant to FCRA 605B states that any alleged account resulting from identity theft must be removed within 4 Business days of receipt and ***/******* jewelers have failed to do so. The company responded saying the debt was verified. But how? What logic brought you to that? I requested for a debt verification from OpenSky/CapitalBank directly and through the reporting agencies as well And I have yet to be given any contractual agreement that I actually signed off for. I request to see the i.d cards used to form such relationship, or however way you tried to prove my identity before issuing such credit. And again, I was not sent back any proof for the bases of their claim and false reporting. Sec. 809 (a) and (b) which state: The Fair Debt Collection Practices Act gives consumer the right to request verification of a debt if a debt collector contacts you about a debt. Debt verification sometimes also called debt validation, is a consumers legal right to get information from a debt collector about the debt thats being collected. I know for a fact they cant validate what they imply on my credit report because I actually never had a relationship with them and never gave anyone permission to open any accounts on my behalf. They obviously dont have any type of solid proof which makes this all so disgusting, negligent, and defaming. I am in pursuit of suing OpenSky/CapitalBank if they dont remove their tradeline off my report immediately. My attorneys are already beginning talks and drawing up demands and meetings.
Business Response
Date: 01/09/2024
January 9, 2024
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
Business Response
Date: 01/12/2024
We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it.
Initial Complaint
Date:11/24/2023
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.
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy (15 USC 1681 section 604a section 2) it also states a consumer reporting agency can not furnish on an account without my written instructions under 15 USCS 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: 01/08/2024
January 8, 2024
Dear ***** ******,
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 resolution. 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
Business Response
Date: 01/10/2024
We determined the information reported was complete and accurate as of the date(s) we furnished it. ID theft claim was denied based on investigation conducted.
Initial Complaint
Date:11/24/2023
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.
Opensky closed my account without notice, after paying it in full, and kept my security deposit essentially netting them $500. When I called and spoke to them just now they said they mailed something but couldnt provide proof they did aside from their word, they also made no effort for communicating any of that to me on their app, phone call, email, or certified mail. My largest fear is that this is a common practice with opensky, who knows how many other people they have defrauded to keep their security deposit claiming it was lost in the mail. They need to send me the money via ACH to make it right, Im well aware they have the ability but are not doing it, and I doubt would actually follow through on se singing a mailed check without having to report it to the BBB.
Business Response
Date: 01/08/2024
January 8, 2024
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
Business Response
Date: 01/10/2024
Account was closed and no refund is owed as this was used to offset the account balance.
Customer Answer
Date: 01/11/2024
[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: Payment was made in full via ach for $993 on 11/1/2023 should have brought my account balance to $0. The account was then closed and my $500 deposit not refunded. So not only did I pay $993 to bring the account current on 11/1/23 but by open sky not refunding the $500 Deposit i actually paid them in total $1,493 in total. Complete Scam Artists.

Regards,

***********************
Business Response
Date: 01/23/2024
From: ************************* <****************************************>
Date: Tue, Jan 23, 2024 at 2:56 PM
Subject: *********************** - BBB ID ********
To: ***************@mybbb.org <*******@mybbb.org>
Cc: Dispute Resolution Team <[email protected]>

Hi *****,

The attached confirms we have responded to the customer rejection received on January 12, 2024.

We reopened the case and our investigation confirmed that the account was closed, the security deposit initially provided to open the account was used to pay an outstanding balance on the account therefore no refund is owed to the customer. The payment that the customer indicated that was made, it was returned unpaid by the customers financial institution. The customer must contact their financial institution for further assistance. We have provided the customer copies of the credit card statements to support our statement above.

We considered this matter closed and will not reopen unless the customer provides new evidence to support their claim.

Let me know if you have any question.

*************************
Vendor Relations Associate II
OpenSky, a division of Capital Bank, NA
Office ******************
Email ****************************************
Initial Complaint
Date:11/20/2023
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.
I am a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this account from my credit report. Please help meinthismatter
Business Response
Date: 01/05/2024
January 5, 2024
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
Business Response
Date: 01/10/2024
ID theft claim was denied based on investigation conducted. We have determined that the information reported was complete and accurate as of the date(s) we furnished it. Account charged off for non-payment. Tradeline deleted following notification from ********.
Initial Complaint
Date:11/17/2023
Type:Service or Repair Issues
Status:
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 opened a capital sky account in March 2021. The secured card had an $200 limit, which I used $142 of. I spoke with a rep in 2022 and tried to come up with an payment agreement and they told me they do not make agreements, I must pay the balance in full. I explained to them what I can pay to clear this matter up and they sent it to collections. I do not have a contract w/collection agency. I would like my credit restored
Business Response
Date: 01/05/2024
January 5, 2024
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
Business Response
Date: 01/10/2024
We determined the information reported was complete and accurate as of the date(s) we furnished it. Account charged off for non-payment and placed third party collections per agreement. Verified reporting in response to ACDVs and validated debt in response to direct disputes. Cited FCRA language.
Customer Answer
Date: 01/11/2024
[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:11/16/2023
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 hope this message finds you well. I am writing to address concerns regarding the accuracy of the information present in my credit report associated with the account under the name OPENSKY CBNK and account number ********* In accordance with the Fair Credit Reporting Act (FCRA), specifically outlined in 15 U.S.C 1681, I would like to bring to your attention several violations of my federally protected consumer rights to privacy and confidentiality. 15 U.S.C 1681 Section 602 A: Right to Privacy This section clearly affirms my right to privacy as a consumer. 15 U.S.C 1681 Section 604 A Section 2: Written Instructions Requirement It is stated that a consumer reporting agency cannot furnish an account without my written instructions. I have not provided such instructions for the accounts in question. 15 U.S.C 1681c (a) (5) Section: Seven-Year Reporting Limitation The mentioned section prohibits consumer reporting agencies from including adverse information in a consumer report that antedates the report by more than seven years. Please ensure compliance with this provision. 15 U.S.C. 1681s-2 (A) (1): Accuracy of Information This section prohibits the furnishing of inaccurate information to consumer reporting agencies. If any information provided is inaccurate, I kindly request its removal from my credit report. I kindly request that OpenSky, A Division of Capital Bank N.A., take prompt action to investigate and rectify these violations. Specifically, I request the removal of any inaccurate accounts from my credit report to ensure compliance with the FCRA. I appreciate your prompt attention to this matter. Please provide confirmation once the necessary corrections have been made and the inaccurate information has been removed from my credit report. Thank you for your cooperation and understanding in resolving this matter promptly.
Business Response
Date: 12/22/2023
December 22, 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
Business Response
Date: 12/27/2023
We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it.
Initial Complaint
Date:11/16/2023
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.
Account Name: OPENSKY CAPITAL BANK NA Date Opened: 11/21/2022 Acct# **************** Please DELETE the fraud Account from my credit Report does not relate to any transactions that I have made. The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT . According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus don’t have no written permission According to 15 USC 1681 have the right to privacy According to 15 USC 168s-2 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 . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.
Business Response
Date: 12/22/2023
December 22, 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
Business Response
Date: 12/27/2023
ID theft claim was accepted and tradeline is being removed from CRAs.
Initial Complaint
Date:11/14/2023
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.
Acct Name: OPENSKY CAPITAL BANK NA Date Opened: 11/21/2022 Acct# **************** Please DELETE the fraud Account from my credit Report does not relate to any transactions that I have made. The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT . According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus don’t have no written permission According to 15 USC 1681 have the right to privacy According to 15 USC 168s-2 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 . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.
Business Response
Date: 12/22/2023
December 22, 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
Business Response
Date: 12/27/2023
ID theft claim was accepted and tradeline is being removed from CRAs.
Initial Complaint
Date:11/14/2023
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.
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. OPENSKY CBNK ACCT #: ********BAL. $327.00 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Business Response
Date: 12/15/2023
We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it.
ID theft claim has been denied.

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