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:10/18/2022

  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.

  This company is crucial when it comes to you making payments towards your account. I have not been late on my account in the past 2 years, and I am not able to use my checking accounts to make a payment towards my balance. I have other obligations that takes funds out of my account this creditor is not able to reverse any holds on my accounts in order for me to make my payments on time. I recently mailed an money in good faith on 10/8; however, my due date is 10/16 in which I will have a late payment fee although the payment has been sent and retrieved. Processing time is 14 days after they receive it. It is not fair for us to make an deposit to this account and you add interest and late fees to money that already the consumers. I will like to have an resolution to this problem.

  Business Response

  Date: 11/17/2022

  November 17, 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
  

  Customer Answer

  Date: 11/27/2022

  [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:08/31/2022

  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.

  I was told that OpenSky by Capital Bank only reported to the credit bureaus once a month. They actually reported me twice in a month. First 07/22/22 and second on August 1. . On 07/21 I checked my account and had a 20.00 balance I woke up on the 07/22 with a 56.00 balance reported to the credit bureaus With no explanation until I called to find out it was an annual fee. I used the balance on my card between 07/24 and 07/27 and was reported again on 08/01. This is the third incident in 3 months. On 06/24 I disputed OpenSky by Capital Bank to with ******* and filed report with the CFPB I also reached out via social media. They eventually reported correctly but not until the above measures were taken. OpenSky by Capital Bank removed their account from all three credit bureaus 3 days after I paid it off and took my credit score down 25 points across 2 bureaus and 35 points on the third. I called in and was given a fax number and told they would review and get back to me in 30 to 45 days. No one took any accountability or could give me any explanation and was rude on top of this. On 07/21 I checked my account and had a 20.00 balance I woke up on the 07/22 with a 56.00 balance reported to the credit bureaus With no explanation until I called to find out it was an annual fee. On 07/21 I checked my account and had a 20.00 balance I woke up on the 07/22 with a 56.00 balance reported to the credit bureaus With no explanation until I called to find out it was an annual fee. I used the balance on my card between 07/24 and 07/27 and was reported again on 08/01. I called back on 08/18/22 and I spoke to a supervisor Michelle I was going to close the account. I was told that I would be given a 20.00 credit and wouldn't be reported again until 09/18/22 if I missed this month's payment. I am still over utilization and I was reported with a even Higher utilization than 100 percent on 08/22. Now I don't even qualify for a payday loan. My was better before OpenSky.

  Business Response

  Date: 10/03/2022

  September 30, 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
  

  Customer Answer

  Date: 10/12/2022

  [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:
  
  Regards,
  
  *************************
  

• Initial Complaint

  Date:08/16/2022

  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.

  Going through my credit reports, after finding numerous false accounts and erroneous information, I located this trade line well. And am demanding it be removed from all 3 credit bureaus (**********, *******, ********) on my credit reports immediately and permanently. As I do not own, nor do I owe this company any money. They are inhibiting my financial future by having this fake trade line associated to my credit and it needs to be handled. My attorney has already advised me to make a formal complaint on an open forum to give this company a chance to rectify this situation, but if not, litigation will be filed and a lawsuit will be bought against them.

  Business Response

  Date: 09/23/2022

  September 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
  

  Customer Answer

  Date: 10/02/2022

  [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:
  This company is literally saying that it HAS to be my account because my personal information was used to open the account. To which I respond, “Isn’t that the point of identity theft? Someone steals your information for the sole purpose of obtaining illegal credit or goods?” How dare you try and insinuate I’m lying, and pretty much tell me I have to accept this fraudulent account.? No, I refuse to do that. I am giving you all one final chance to rectify this situation, before litigation is indeed filed, and you all will be sued for damages and missed credit opportunities iTunes due to this fraudulent trade line. Your course of action to avert that is very simple, as I have attached a Identity Theft Affidavit detailing more of the requirements I am asking, along with my retort to this fraudulent account. Delete this trade line from all my credit reports, (**********, ********, *******) immediately and permanently or face the stiff consequences that follows.
  
  Regards,
  
  *************************
  
  
  
  
  
  
  

  Business Response

  Date: 10/20/2022

  October 19, 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
  

• Initial Complaint

  Date:08/10/2022

  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.

  So for the past two years as an Opensky card holder, I thought everything was all right. However, after checking the credit report, I found out I have a 30-day late payment on my credit report from OpenSky. I was very confused and tried to check how that could be. It shows I had a 30-day late payment in August 2021. I think this must be an app glitch because I made my payment 1st every single month for the past two years as a cardholder, and the sole purpose of this $200 card is to build credit. I think that my credit score should not be punished because of an app glitch. There is no way for me to contact and I can't even find an email address, and the phone agents are not too helpful. Please remove the 30 day payment on my report.

  Business Response

  Date: 09/15/2022

  September 15, 2022

  Dear Sir or Madam,

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

  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 Shuqi Chang 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:07/23/2022

  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 originally opened a secured account to build my credit. I made all on time payments and closed the account. I noticed on my Equifax account the information wasn't labeled correctly. It showed "no info" where it's supposed to say "current" for on time payments. I requested if it was possible to correctly label the information. Soon after they deleted my account history which caused my credit score to drop. If possible it would be much appreciated to have this card history placed back into my account. This is a relatively new account that had a positive effect on my credit which was the reason for originally utilizing it.

  Business Response

  Date: 08/25/2022

  August 25, 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
  

• Initial Complaint

  Date:07/18/2022

  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.

  This account is inaccurate under 15 U.S.C. 1692g validation of debt. OPENSKY CAPITAL BANK N.A. has been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code § 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), OPENSKY CAPITAL BANK N.A. may be liable for your willful non-compliance. Also, in ****** v. ******* Information Services LLC (D. Ariz. 2018), OPENSKY CAPITAL BANK N.A. may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Under 15 U.S. Code § 1681d - Disclosure of investigative consumer reports; you are in violation. I have attached the definition so you can see the violation! (a)Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless— (1)it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure (A) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.

  Customer Answer

  Date: 07/18/2022

  No I wrote this complaint because I have researched similar court cases and creditor violations. 

  Business Response

  Date: 08/18/2022

  August 18, 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