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:01/09/2023

  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 a credit card on Dec 08, 2022 along with $300.00. Once I completed the application online, within minutes , I was approved. The company promised that I would receive my card within 10 business days meaning two weeks. They would contact me via email to inform me that the card was mail off to my address. After the 3 weeks, I called consumer service to check on that ***** an they were unable to proved me any information about my card. They varied my address and said "yes, that what we have". Give it two week and should get it. Here it , a month later and I don't have my card which I paid with cash out of my checking account and the company can't explain why its' taking this long .

  Business Response

  Date: 02/10/2023

  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:01/09/2023

  Type:Sales and Advertising 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 12/20/2022 I opened and funded an account. In the cardholder agreement and on the website it says 3-4 days for a card to be made and 3-4 weeks to ship. Its now January 9th and Ive still not received a card or any correspondence. After doing some research I see theyre having an issue obtaining cards (IRONIC SINCE THEYRE A CREIDT CARD COMPANY) & in addition to the fact that they had no problem taking my money knowing and not disclosing their inability to obtain cards/hold up their end, theyre also virtually impossible to get ahold of (online OR by phone) despite the fact that they claim you can simply call. In summary its been this long & theyve got absolutely no idea when theyre even going to get cards (which a respectable company wouldve disclosed) & to top it all off theyre telling me if I want a refund itll take between 3-8 weeks. This is absolutely unacceptable and this company needs to make this right since they failed so miserably to be up front in the beginning.

  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:01/09/2023

  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 ordered the card December 16th 2022 and put a $200 deposit down the same day. They said it would take at most 14 days, it has been almost a full month and I have heard nothing. Online it is stuck at we are preparing your card to be mailed this process can take up to 4 business days it has now said that for 2 weeks. I just want to know when the card will actually arrive.

  Business Response

  Date: 02/10/2023

  Dear Sir or Madam,
  
  We are responding to the complaint from our OpenSky Secured Visa® 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:01/08/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened a secured credit card account with them paid $200 on 11/3 and still have not received my card I cant get in touch with anyone and if I do they just say my card is processing and will be shipped out within a week. Still nothing

  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:01/07/2023

  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 and was approved for a secured credit card with ooen sky, I also paid mlre than the minimum deposit price that same day. December 19th, 2022. They tell you that the card should be recieved with 12 to 14 days. It had been over that time and they do not give any type of info on why or when i will recieve this. They **** not give back my money, or even give access to am account i paid for prior ! I want my money back now ! I would like a refund right away just like they force you to pay for this terrible service as soon as being apporved but wont even give you account info. Ive seen multiple reviews on this exact compmaint. Not a single person has recieved their card or money back or information. This needs to be fixed now. I should not have to ask for MY MONEY BACK and get zero response . This is the worst credit card company ive come across. Get people their money back. I paid for this service 12/19/2022 and it is now 01/07/2023. I want my money refunded to my card asap. Thanks

  Business Response

  Date: 02/10/2023

  
  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 Jasmine Andrews 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:01/06/2023

  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 opened a secured card with this company in the spring of 2020 with a $200 secured deposit. I eventually defaulted on the card with a balance of $231 later that year but now they say that I owe $266. When I called to explain that I had a $200 deposit and that my balance should only be $66, they refused to explain how my remaining balance is still so high after supposedly applying my deposit to the account after it was closed. They claimed that they charged what amounts to $191 in fees after the account was already closed but when I asked for a breakdown the customer service representative refused and disconnected the call. I attempted to call back and explain my situation to other reps but they kept forwarding my call to the collections and recovery department telling me in order to fix this I had to send my request in writing. Meanwhile the first rep told me that I couldve had those fees waived and said she would submit a ticket for those fees to be waived today however she did not confirm that this fee waiver request was submitted before she disconnected the call. The phone reps were not at all helpful and very argumentative when all I wanted was an explanation of the fees, those fees waived as was promised me and to pay off the remaining balance and to get confirmation that OpenSky would remove the collection from my credit report. Instead, my very simple, already agreed upon request was argued over by every rep I attempted to speak with. Altogether I spent over 2 hours on the phone to be berated and insulted by their customer service reps. I refuse to pay a dime until these fees are explained, and waived and I will be sending a demand letter.

  Business Response

  Date: 02/16/2023

  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

  Customer Answer

  Date: 02/26/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:
  
  I am not satisfied with the level of research and transparency this company has provided. They say they listened to the phone calls which means they have the recordings of them so why not send them to me if they are so confident that no agent ever told me they could waive some of the fees associated with my account? They provided everything accept the recordings of the phone calls they clearly have. I am not happy with the response nor will I be until someone from this company explains and verifies how my assertion is incorrect that I was told fees could be waived. This company also wholesale rejected my complaint about their customer service agents being rude and unprofessional when all I wanted to do was resolve an issue and pay off a balance. If this company stands by the absurdly low level of service that I received and have the recordings then prove that your employees are who you say they are. I would not recommend this company or credit card to anyone that actually values being able to speak to someone on the phone who is courteous and willing to help. No secured credit card is worth the disrespect that employees of this business have shown me as a consumer and customer. There are unsecured cards available for consumers with damaged credit and I'm sure they would actually value someone's business moreso than opensky.
  
  Regards,
  
  *********************
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:01/05/2023

  Type:Sales and Advertising 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.

  ****** was very unprofessional and this bank is running a scam on people opening an account . They charged my account 25 late fee that i could of paid but they locked my account and didn't assist me but asked if i want a credit not to close my account. Open sky is a bad bank dont use them

  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:01/05/2023

  Type:Customer Service 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 a pre-paid credit card on December 15, 2022. I paid $700.00. I was not contacted by the company since then either by phone or by mail regarding my credit card not sent. The one fluff company email had a no-reply The site refers you to their ******** page "Opensky" page to resolve your issue. My heart pumped when I saw many comments erased and that many people ALSO did not receive their card and could not get through to Customer Service with the 1 800 number. **************. My bank statement has this number on my statement **************. This number has no live person and refers you to the website only or to call the number on the back of the card (which I don't have). I want my money back.

  Business Response

  Date: 02/01/2023

  February 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:01/04/2023

  Type:Customer Service 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 been accepting security deposits from customers for credit cards and telling them that they will be in the mail within 2 weeks. Some customers have been waiting 3 months, and there is still no update from the company. On top of this, they are still charging the annual card fee for customers that have not even received the card yet.

  Business Response

  Date: 02/14/2023

  February 14, 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:01/04/2023

  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'm contacting about two accounts that were incorrectly charged off and my money was not returned. Acct: ending in **** & ****. Under email *************************** Charge off amount of $153 and $127. Please remove both of these from my credit. I put $200 in both account. That is my money. You guys was supposed to return that back to me anyways. And I have contacted about the cancellation of my account but you guys didn't cancel it. You charged it off the debt collector. Please remove from credit and if possible legally check me my remaining funds as that is my money that was promised back to me

  Business Response

  Date: 02/14/2023

  February 14, 2023

  Dear Sir or Madam,
  

  We are responding to the complaint from our OpenSky Secured ****® Card customer ****** * ******.
  

  In order to comply with the Gramm - Leach - Bliley Act (GLBA), Capital Bank, N.A., has contacted the consumer directly. We have addressed their complaint and a
  letter was mailed to the customer today.

  Our bank has requested that ****** ** ****** contact the Better Business Bureau, directly, in response to our findings. Please contact us as soon as you may hear
  from the consumer, or, within 30 days of receipt of this letter to update us on your records.

  Sincerely,
  Capital Bank
  Customer Service

  Customer Answer

  Date: 06/13/2023

  [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:
  
  
  
  

  ---------- Forwarded message ---------
  From: ****** ****** <****************@*****.com>
  Date: Tue, Jun 13, 2023 at 4:00 AM
  Subject: Re: Please reopen dispute ********
  To: Dispute Resolution Team <[email protected]>
  

  
  I apologize I’m late. Please send them this response along with the documents attached 

  
  

  This is my response:

  
  

  The evidence is on the documents you guys have sent me. Have documented everything and ready to all the evidence  to take this case further if necessary because you guys are supposed to help people build credit but instead have ruined my credit. For account ending in 1929, you can see you on the account that the last purchase that I had made was $41.15 at ****** gas station and made a payment of that month of $38 on 7/13/2021 and $25 on 7/14/2021 totaling $63. After that I mailed you guys saying I wanted to cancel the credit card and even called a week later to say the same thing and confirmed what I have written. My balance was $178.40 which was below $200 which is my initial deposit. You guys began charging fees and interest of $25 on 8/15 and $2.59 interest on 8/17. And then charged 38 fees for consecutive months along with interest fees totaling $127. With the whole balance being $327 Then you charged off the account using my initial deposit. the $127 you guys say I owed on this account is all fees which was never supposed to happened because I requested you guys to close my account.

  
  

  Same as for account ending in ****. Last purchase I made was $7 on Amazon prime with $189 balance and you charged $28 on 8/17 along with $3 and $2.68 fees making the balance go over even after I requested to close my account and use the initial deposit to close the account. I didn’t even ask for you guys to return me the extra change. You guys charged fees till the balance reached $353 balance and charged it off . Saying I owe $153. No I don’t. Those are the fees you continued to charge for no reason after I closed the account. 

  
  

  Please correct these  and remove this charge off from my credit and make this right. I have attached documents and photos justifying everything I’m saying.
  

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

  Business Response

  Date: 06/29/2023

  June 29, 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: 06/30/2023

  Good afternoon, 

  A second investigation was performed on both accounts and our respond remains the same as the previous mailed to the customer on 2/14/23.

  All fees charged were valid and the account is being reported accurately according to FCRA. 

  Evidence was enclosed with the response letter mailed to the customer on 6/29/23.

  Customer Answer

  Date: 07/07/2023

  [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 have received your response in the mail and this issue is not about a refund.  I do not owe you guys any money. please remove both credit cards from my credit. I have provided you guys with sufficient information regarding this case. 
  
  
  Regards,
  
  
  
  ****** **** ******