Credit Cards and Plans
OpenSky, A Division of Capital Bank N.A.Headquarters
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.
If you've experienced an issue
Submit a ComplaintThe 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:11/13/2023
Type:Order IssuesStatus: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, Inaccurate account furnishing on my credit report. Never received a 1099c from company. Company has this account as current debt. This is in violation of 15.USC.1681EB. Please remove this charge off account.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 ServiceBusiness 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:11/13/2023
Type:Billing IssuesStatus: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. I do not know who this bank is and why they are on my ******* credit report. I have no business dealings with them. No contracts, no agreement, and and no other financial arrangement. This account randomly shows up on my ******* report with no basis on why and who this bank is. I am requesting that they remove this account immediately as I have no business dealings with them nor do I plan too.Business Response
Date: 11/28/2023
November 28, 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 ServiceBusiness Response
Date: 12/01/2023
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:11/13/2023
Type:Billing IssuesStatus: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.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE (OR JUST SAY "CERTIFICATE") EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT. NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS(S), MANDATED 386 PARCELS OF CONFIRMATION.Business Response
Date: 12/21/2023
December 21, 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 ServiceBusiness Response
Date: 12/22/2023
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:11/10/2023
Type:Sales and Advertising IssuesStatus: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 October 9th 2023 OpenSky closed my credit account without notifying me by any means. I had paid late a couple times since July as in July I had a baby with multiple medical challenges and have been living on prayers in the hospital with my baby. The payments were made, they were late but they were made. Open sky was made aware of the situation and were accepting the payments. I was still making payments after the account had already been closed and open sky was accepting the payments when they should have been issuing me a check for the overpayments and remaining balance afte applying my security deposit to the account. Instead they continued to accept money from me and failed to communicate with me in any way that the account had been closed. I spoke to a representative on November 1st when I called to ask why my available credit limit wasnt increasing as I was making my payments and she explained that my account had been closed on 10/09/23 and that I would receive a check for what they owe me $193 within 3-4 weeks. With that information I should have received a check by November 6th 2023. No check came. I called and spoke to a representative on November 10th she informed me that a check was never mailed and that I should have received it already and placed me on hold to speak to her supervisor. Then she came back on the line and said it takes 8 weeks after the account closure date for them to put a check in the mail and I should receive it within 5-7 business days after the 8 week period. I asked to speak with the supervisor to ensure employees are being trained to provide truthful and correct information to customers because two different agents have now provided me with misleading information. The supervisor explained to me that I should have a check in my hand within 8weeks after account closure. So now thats the 4 different story Ive received. Im unsure if Ill ever receive my money back from OpenSky.Business Response
Date: 12/18/2023
December 18, 2023
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 ServiceBusiness Response
Date: 12/20/2023
Security deposit refund was issued and sent.Initial Complaint
Date:11/08/2023
Type:Billing IssuesStatus: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.
Earlier on doing this year from February to May I made payments and they say that it was reversed. I never did a reversal so they put it late payments on my account without investigating it.Business Response
Date: 12/14/2023
December 14, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer Antonio Houser, 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 ServiceBusiness 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.Customer Answer
Date: 12/19/2023
[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:
Regards,
***************************Initial Complaint
Date:11/06/2023
Type:Billing IssuesStatus: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 ************ $157.00 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.Initial Complaint
Date:11/03/2023
Type:Service or Repair IssuesStatus: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 been a cardholder member with OpenSky Credit Card since 2020. In July 2023, I had fraudulent transactions and reported to OpenSky on a weekend when I received alerts. The fraudulent transactions took my account over my credit limit of about $599.00. The fraud department gave a provisional credit of $599.00; as they investigated the fraudulent transactions they said it may take up to 90 days. Meanwhile, my minimum payment was around $624.00, not $25.00, because of the fraud. The customer service told me to keep making at least the minimum of $25.00, not $624.00, if the outcome of the fraud investigation goes in my favor, with no late fees or adverse reports to the credit agencies. Due to the fraud, my account balance was over my credit limit by $500+, so the system didnt recognize my payments of $25.00 because I didnt make a payment of $624.00. When the fraud investigation ended, it was in my favor, so the provisional credit was permanent. My account balance was under my credit limit, but the system still shows I need to pay a minimum payment of $277.00, not $25.00.I made the minimum payments during the fraud investigation, but the system said I never made the minimum payments for over two months of the fraud investigation. They are reporting my credit card account to credit agencies that I have made no payments in the past 60 days but didnt miss any. They keep telling me they will fix it, but not yet. They replaced my credit card two times in July 2023 and for no reason again in October 2023. The fraud department told me on November 3, 2023, they opened up another investigation on October 25, 2023. They need to fix the late payment balance and credit me back two late fees and other fees like finance fees. Before the fraud charges in July 2023 I is under my credit limit. After the fraud charges my account balance was $1,000.00 $400.00 over my credit limit full amount due.This has me very confused and frustrated and severely depressed and sleepless nights.Business Response
Date: 12/15/2023
Payment investigation completed, balance is accurate.Initial Complaint
Date:11/03/2023
Type:Service or Repair IssuesStatus: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 contacted multiple times throughout 2023 to report my card stolen and unauthorized transactions. OpenSky has failed to reissue my account or refund my initial deposit.Business Response
Date: 11/30/2023
November 30, 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 ServiceBusiness Response
Date: 12/04/2023
Deposit was used to offset the outstanding balance. No refund is owed to customer.Initial Complaint
Date:11/02/2023
Type:Service or Repair IssuesStatus: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.
Hello,I unfortunately have being a victim of card fraud and I reported this not once but twice I never received a card and could not access my online account. But I have been getting emails from ******** saying not only is my $500 credit limit I deposit is gone but someone has been fraudulently illegally increasing the balance now my card shows credit usages 257% $1019 debt I have. Not received any documents or any confirmation email stating an investigation occurred or they were going to removed the fraud from my account. My credit score has dropped 75 point. This is outrageous and completely unacceptable. Every time I call they say the transfer and hang up on me I have called over and overBusiness Response
Date: 12/15/2023
Account reported past due and revoked for non-payment of non-fraud reported balance.Customer Answer
Date: 12/19/2023
[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.
Regards,
*********************Initial Complaint
Date:11/01/2023
Type:Service or Repair IssuesStatus: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'm the estate administrator for ******** *********************** whom passed away April 14,2021. ****************** was issued a refund for the credit card acct ending **** The check couldnt be deposited in ******** name. **** of ******* need the check either made out to Estate of ******** *********************** or can be simply made out to *************************************. I have contacted Open sky numerous times by phone, fax and mail nothing has been done. I sent all required information original death certificate, original letter of administration, and I returned the check 6-15-23 asking to be reissued. Last four of social his ****. I would like to have this matter resolved respectfully.Business Response
Date: 12/15/2023
Refund check has been reissued to the updated address.Customer Answer
Date: 12/28/2023
[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.
Regards,
*************************************
OpenSky, A Division of Capital Bank N.A. is BBB Accredited.
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