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:11/01/2023
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,
*************************************Initial Complaint
Date:10/30/2023
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 ACCT #: **************** BAL.$119.00 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:10/28/2023
Type:Product 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.
Unable to reach the FRAUD OR SECURITY DEPT NOONE will help me I applied over 5 times and continue to get no direction or guidance. Unhelpful incompetent staff. I'm angry and frustrated that I am being discriminated against based off disability. They refuse to give me a card. I have sent them my ID SS CARD and electric bill. SSN *********. Unable to verify after filling out 6 applications. I want a call from the executive offices at ************.Customer Answer
Date: 11/10/2023
changed my phone number from ************ to ************.
please notify business and UPDATE your records.
Customer Answer
Date: 11/10/2023
my correct ssn is ********* new phone number ************. previous number was ************. previous email was *********************. NEW EMAIL ADDRESS **********************. PLEASE NOTIFY BUSINESS.Customer Answer
Date: 11/20/2023
ANY UPDATES from the business?Customer Answer
Date: 11/27/2023
Still have NOT received a called from OPENSKY EXECUTIVE OFFICEBusiness Response
Date: 12/08/2023
December 8, 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 ServiceCustomer Answer
Date: 12/11/2023
[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: it has NOT been resolved they are working on it but it has NOT been corrected yet until they approve me for this NO CREDIT CHECK secured credit card I will NOT close the complaint THE VP is working on it when she approves me I will ask that the complaint is closed.
Regards,
**** ***Customer Answer
Date: 12/21/2023
****** from OPENSKY/CAPITAL BANK has resolved my issue and my SECURED CC WAS APPROVED PLEASE CLOSE THE COMPLAINTCustomer Answer
Date: 12/22/2023
Date Sent: 12/21/2023 4:37:06 PM
****** from OPENSKY/CAPITAL BANK has resolved my issue and my SECURED CC WAS APPROVED PLEASE CLOSE THE COMPLAINTInitial Complaint
Date:10/26/2023
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.
This credit agency had errors related to the receiving of payments made on my account ( payments which were deducted from my personal account via ACH) successfully and then upon payment, incorrectly charged my account late fees with no intention of correcting these errors. I spoke with OpenSky via phone conference with an attempt to correct this issue, but the agency failed to meet an agreement or make corrections. I am seeking a full refund of the Advertised Fully refundable security deposit as well as the payments I payed but never received credit for via my credit accountBusiness Response
Date: 12/11/2023
ACH payments restricted due to excessive returned paymentsInitial Complaint
Date:10/26/2023
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.
In my prior correspondence, I expressed doubts regarding the accuracy of the negative accounts detailed in my consumer report. Despite earlier investigations, these accounts remain unresolved, significantly impacting my credit profile. It is imperative that as a consumer, I am provided with an accurate representation of my credit history, as mandated by the FCRA. Furthermore, I wish to reiterate that while elements such as payment history, credit utilization, and other pertinent factors play a pivotal role in credit scoring models like ****, they are distinct from the contents of my consumer report. These factors are used to assess creditworthiness, and their influence should not overshadow the veracity of information present in my consumer report. Considering the FCRA, I draw your attention to 15 USC 1681A, a critical provision outlining exclusions from inclusion in a consumer report. It is my contention that the negative accounts under dispute may fall within the bounds of information that should not be reported. Citing the relevant section from 15 USC 1681A: "The term report containing information solely as to transactions or experiences between the consumer and the person making the report; communication of that information among persons related by common ownership or affiliated by corporate control; or communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons."Business Response
Date: 12/06/2023
December 6, 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: 12/08/2023
We determined the information reported was complete and accurate as of the date(s) we furnished it.Initial Complaint
Date:10/25/2023
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.
Openskycc Agent told me 5 days ago if i use my Debit card and not the bank rounting number my balance/account would be updated in 24-48hours. agreed too it gave my bank card info. 4-5 days late no update. I got lied too by openskycc on recorded line Openskycc manger tell me i need to fax paper work in from my bank to get a update faster. my bank disagreed with this also.Business Response
Date: 12/08/2023
Reminded customer about the payment hold policy and referred them to the Cardholder agreement.Initial Complaint
Date:10/18/2023
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.
The account is zero but still effecting my credit score by being reported as a negative item please fix it by reporting in as positive and closed.Business Response
Date: 11/24/2023
November 24, 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 determined the information reported was complete and accurate as of the date(s) we furnished it.Initial Complaint
Date:10/17/2023
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.
From September 28, to Oct 05. 2023, I opened an open sky account an made a payment for 296.78 on September 28. They reversed the charged and charged me a reversal fee along with blocking the checking account that I linked to my bill pay.. So, I make another payment from my savings account for the same amount and the payment has not be updated on my OpenSky account on October 5, 2023. I have called customer service almost everyday and they say they don't see it. Meanwhile, my bank and my account shows that it was deducted and cleared. OpenSky needs to refund my funds immediately along with restoring my 50:pions that has affected my credit score. I will be talking to a lawyer for a civil suit!Business Response
Date: 12/06/2023
December 6, 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: 12/08/2023
ACH payments restricted due to returned paymentsInitial Complaint
Date:10/14/2023
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.
I am not liable for this debt with the "opensky cbnk". I do not have a contract with OpenSky, A Division of Capital Bank N.A. They did not provide me with the original contract as I requested.Customer Answer
Date: 11/04/2023
Business Response
Date: 12/05/2023
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: 12/09/2023
[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:
NO CONTRACTRegards,
*******************************Business Response
Date: 12/15/2023
ID theft claim was denied based on investigation conducted. We have determined that the information reported was complete and accurate as of the date(s) we furnished it.Initial Complaint
Date:10/09/2023
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.
OPENSKY has no way of contacting them for customer support regarding my account with them. The phone number provided online does not work.Business Response
Date: 11/24/2023
November 24, 2023
Dear Sir or Madam,
We are responding to the complaints dated October 27, 2023, and November 12, 2023, 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: 11/28/2023
An attempt was made to contact the customer and there was no answer. Advised where our phone number can be located.
OpenSky, A Division of Capital Bank N.A. is BBB Accredited.
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