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:12/29/2022

  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 payed $200 for a secured credit card thru this company. I was told nothing about supply chain issues before they took my money. I paid them on December 4th 2022. I still haven't received the card or my money back. All correspondence I have from them says the issue would be resolved in 4 days. Which Is obviously false. They are advertising services that are false. Which I'm pretty sure isn't allowed. Not to mention they have sent me a bill already before I have received any service from them. And from what I'm reading on various reviews I'm not the only one. Can someone give me some directive as what to do. Do I need to hire a attorney or will this issue be resolved another way?

  Business Response

  Date: 02/07/2023

  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:12/29/2022

  Type:Customer Service 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 paid for a secure credit card from "OpenSky" on November 30th of 2022 at 8:32 PM. They claim there was suppose to a card sent out 3-5 business days after the payment was posted. Every time I go to the site and check status it says that the money ISN'T posted but when I call in they verify that they've received it. I was told by the same person who's faking her name over and over as a different person (one was ****** or something another was ******), she said Thursday that there was a "plastic shortage" and that's an email was sent out Dec 12th of 2022. I NEVER received an email. When I mentioned that I never received the "email" a TEXT MESSAGE coincidentally came in Monday saying:"OpenSky: We apologize for the delay in the shipment of your OpenSky ************ Credit Card and any inconvenience this has caused you. We and many other financial institutions are experiencing delays in the creation of new, re-issued, and replacement credit cards due to supply chain issues. We understand your frustrations and will communicate with you via text when we mail your card."I texted back immediately saying if my card wasn't going to get here before the holidays (Christmas), I don't want the card and I would need my $200 refunded. I got a message back saying "The keyword you specified was not recognized." I called back today & asked them was my account canceled and when will I receive my refund. First she said 8 weeks, then she said 4 weeks then changed it when I verified 4 weeks. She said 4-8 weeks. This is ridiculous. They can clearly put the money back in 3-5 business days and now they won't pick up my calls, respond to me emails or anything. The last email I got was when I hung up the phone after being on the phone 10 minutes talking about this card. The email said my account was canceled but I owed $35. I sent an email saying I'm not paying $35 for a card I never received let alone used. I think they've blocked my number because now my calls go straight to voicemail.

  Business Response

  Date: 01/24/2023

  January 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 Service
  

  Customer Answer

  Date: 01/31/2023

  [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. I have not heard from the company itself but I have received my money back through the bank because they refuse to send me my money back. The bank reimbursed me and sent me a new card so I wouldn't have this issue again

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

• Initial Complaint

  Date:12/28/2022

  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.

  my account was fine for along time. I was not getting charged statement fees until one month, a $3 fee came in. i was charged late fees and someone helped reverse one and i even made a payment for more of the balance which i still didnt feel that was right. after being told that it satisfied my account, i was charged more fees, for 2 months. they now will not help me. my statements are missing for a whole year and are not available to me. i tried to talk to a lady but she refused to help me, told me she can only wait 4 minutes and then ended up hanging up or leaving me on hold cause she didnt wanna wait on hold. she said she could schedule a callback in 3-5 days. at this very moment, she still has me muted on hold ,refusing to talk.

  Business Response

  Date: 01/27/2023

  January 27, 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:12/28/2022

  Type:Billing 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 an account with Opensky (credit card building) In November with a secured 300 deposit. I never received the credit card. I called the company three times, They (opensky) has told me on all three occasions that their plastic manufactures that produce the cards is backed up. Also, they still want the 35 dollar monthly credit card payment for a card never received or activated. My final attempt with them was today 12-28-2022 which prompted me to contact the BBB, there may be others that are getting scammed with this company. When I asked could I close the account, I was told that they will report it to all three major credit score companies, which I think is unfair, I held up my end of the bargain why should I or others be penalized...Please open an investigation on Opensky.

  Business Response

  Date: 02/07/2023

  February 7, 2023

  Dear Sir or Madam,

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

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

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

  Sincerely, 
  Capital Bank 
  Customer Service
  

  Customer Answer

  Date: 02/28/2023

  [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. 
  
  

  ---------- Forwarded message ---------
  From: **** ******* <*********@*****.com>
  Date: Sat, Feb 25, 2023 at 12:33 PM
  Subject: RESOLVED ISSUE
  To: <[email protected]>
  

  
  

  In regards to my issue with Opensky credit card complaint #********, they issued my card and I am satisfied with the results...

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

• Initial Complaint

  Date:12/19/2022

  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.

  Ive had the Open Sky Secure card for 2 years. Upon moving to a new City and relocating my family my address change would not go through on there application. Without notice my account was closed abruptly. This was a very important card to me as it was my first credit card ever. With an above average credit score and having been responsible with the card for 2 years its a disservice to me as a customer. When calling to get help I was received with bad service treated with attitude, even had a supervisor who I heard from a cell phone and sirens in the background who was rude in explaining, it is in there agreement to be able to close the account at anytime without notice. I don't believe I was dealt fairly, and that this is good business practice, customer service was very poor, and was not given a chance to redeem my account.

  Business Response

  Date: 01/31/2023

  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: 02/09/2023

  [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:
  
  What the company is stating in there response is false. They are stating that they received returned mail from address on file and placed a temporary block on the account which is false I have records showing that the account was never blocked still was able to use it all through out the year. No attempt to reach me via email explaining the situation, no alert on the online app, and the account was still being used consistently up until the abrupt close on the account. No help was given to me the customer in good standing and its a shame to be treated this way.  They are false in there response  which is also absurd. They made it seem as if the issue was there staff lack of customer service that is the least of the issue. Mainly there was no communication or effort from the bank to inform me the customer that this account was in jeopardy of being close and was closed unjustly. Attached are bank statements proving that there was never a block on the account they kept the account open and are misleading in there response. They continued to take money from me even the same month they closed the account. 
  
  Regards,
  
  *******************************
  
  
  
  
  
  
  
  
  

  Business Response

  Date: 02/28/2023

  ***** ************************* ******************************************
  ***** **** *** *** **** ** ***** **
  ******** ******************************* * *** ************************ * *********
  *** ************************************ **************************************
  *** ******* ********** **** *************************************
  
  
  Good afternoon *****,
  
   
  
  We are responding to the customers rejection today, February 28, 2023. The account was closed in accordance with our Cardholder Agreement and will not be reopened.
  
   
  
  Thanks.
  
   
  
  *************************
  
  Vendor Relations Associate II
  
  OpenSky, a division of Capital Bank, NA
  
  Office     ************
  
  Email       ****************************************

  Customer Answer

  Date: 02/28/2023

  [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:
  Its Irrelevant I have moved on will not be recommending this card to anyone. There statement of putting a hold on the account was inaccurate and no attempt was made to help me as the customer. No desire to be a part of there bank anyway and I have not been treated fairly as a consumer. No response needed will be taking my argument to all social media platforms to make sure no other consumer is harmed this way.
  
  Regards,
  
  *******************************
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:11/25/2022

  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.

  Two years ago I opened a small $300 dollar credit card with open sky to start building my credit. I always make my payments on time or early. On June 20, of 2022 I received an alert from my credit monitoring provider that a second credit card had been opened in my name without my consent. I continually receive text message alerts about a delinquent account with open sky but this account never appeared on my account nor did I ever receive a card in the mail in the months Ive been dealing with this nightmare. I attempted to dispute it with my credit monitoring company and opensky continues to claim that the credit card is accurate on my credit report and they charged almost 231 dollars of late fees to this card wrecking my credit from over a 700 to under a 500 score causing a variety of issues with myself and my family. Such as but not limited too ruining our ability to purchase the home we needed to to accommodate my father in laws medical disability as my wife and I are the ones tending to him on a daily basis. I have not even been able to qualify for a new rental house suitable for his disability due to this disrespectful and non-business like behavior from Opensky. I have spent hundreds of dollars on credit repair services to attempt to get this fraudulent credit card fully removed from my account and Opensky cares nothing about screwing over their clients to make extra money. This is a poor way to run a business. I wish I had read the reviews about this scam of a company before falling for this. Above all, I find it incredibly sad that they call themselves a business yet don't pickup the phone to assist their clients, and if you do get on the phone with someone they will shuffle you around whenever you need to dispute a problem. I spent over 6 hours on hold with this company and never got to speak with someone during business hours about this fraudulent card.

  Business Response

  Date: 01/12/2023

  January 12, 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. 
  

  Sincerely, 
  Capital Bank 
  

  Customer Answer

  Date: 01/18/2023

  [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:

  
  Whom ever called regarding the card was not me, I believe this is false information provided by the company. I personally never requested to open a second account nor did I speak to anyone regarding a second card until three weeks ago when I called to ask why my secured card was inactive and the company claimed that they're team was investigating a dispute so they put a hold on my account. Every time I've made a payment on my secured account this company has withdrawn money from my checking account held it for 3-5 days and refunded the money into my account since this dispute was submitted. Never once did I miss a payment prior to this fraudulent card being opened. If this company does not correct their error the next person that will be contacting the company will be my attorney. 
  
  Regards,
  
  ***********************
  

  Business Response

  Date: 02/24/2023

  From: ************************* <****************************************>
  Date: Fri, Feb 24, 2023 at 1:19 PM
  Subject: *********************** BBB Case No.: ********
  To: ************@mybbb.org <************@mybbb.org>
  Cc: Dispute Resolution Team <[email protected]>
  
  Hello *****,
  
  A response was mailed today, February 24, 2023 to the customer and this case is closed.
  
  Please note, the credit reporting was corrected on the questioned card on the customers favor and we confirmed payments made to the account were not successful as they returned as NSF.
  
  Please let me know if you have any questions.
  
  *************************
  
  Vendor Relations Associate II
  
  OpenSky, a division of Capital Bank, NA

• Initial Complaint

  Date:11/25/2022

  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 have have been a loyal costumer to Opensky for a long time now. I was using auto pay at one point in time when it failed to go through. I immediately paid the small balance and have never missed another payment in the years I have been using them. Due to the malfunction or miscommunication while using the mobile app I now have a late payment on credit report which has destroyed my credit. I have contacted Opensky and also disputed multiple times with no success.

  Business Response

  Date: 01/10/2023

  January 10, 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:11/19/2022

  Type:Order 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 open sky bank and do not have a contract with open sky. They have not provided me with original application like I asked.

  Business Response

  Date: 12/23/2022

  December 23, 2022 
  
  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:11/02/2022

  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 RECENTLY received a copy of my CONSUMER REPORT and I noticed a late payments being posted on my CONSUMER REPORT! Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code § 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES... a) In general Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other: 2) In accordance with the written instructions of the consumer to whom it relates. Did I GIVE ANY WRITTEN instructions to FURNISH THIS OPEN SKY Account Number **************** on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code § 1681a Definitions; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2) Exclusions.- Except as provided in paragraph (3), the term "consumer report" does not include A) subject to section 1681s-3 of this title, any- (i) report containing information solely as to transactions or experiences between the consumer and the person making the report; NOW THE TERM PERSON defined by Congress means person (b) The term "person" means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer (c) The term "consumer" means an individual. Which is an INDIVIDUAL (me), and the person making the REPORT which is Open Sky So since it's a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code § 1681. Now I'm not telling you to delete the account! I'm asking for you to delete the above LATE PAYMENT From June which are in violation of being REPORTED and keep the account. Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW!

  Business Response

  Date: 12/15/2022

  December 15, 2022

  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:10/22/2022

  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.

  It has been brought to my attention that multiple fraudulent accounts have been set up in my name. This account appears to have been closed in 2020 but has reported payment history for 2022. This is misleading and fraudulent. I can see many other discrepancies with this account between my credit reports. Please respond with the contract and all authenticated records of accounting, including tax filings. Send all of these documents within 30 days of receiving this notice. I am entitled to this information according to UCC9-210. My consumer credit report must be corrected immediately with the permanent deletion of this account. Thank you.

  Business Response

  Date: 11/23/2022

  November 23, 2022 

  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