Business Profile

Credit Cards and Plans

OpenSky, A Division of Capital Bank N.A.

Headquarters

BBB Accredited Business A Rated by BBB

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 Complaint

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:10/08/2023
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.
Open sky breached contract by authorizing a $3,148.23 transaction when I never authorized that amount nor did I sign any thing that said I was ok with the charges. If open sky is authorizing limits over my limit they should increase my limit at no cost to me or I will pursue legal action for fraud and misusse of my credit card
Business Response
Date: 11/27/2023
November 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
Business Response
Date: 12/04/2023
Fraud claim was resolved in customer's favor and credits issued are permanent.
Initial Complaint
Date:10/05/2023
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.
This complaint is against OpenSky Capital Acct# ******XXXX regarding the inaccurate reporting of a charge-off on my credit report. I have attempted to resolve this matter directly with OpenSky Capital, but my concerns have not been adequately addressed. Here are the key issues I would like to bring to your attention: Incorrect Reporting of Charge Off: OpenSky Capital has inaccurately reported the status of the aforementioned account as a charge-off on my credit report. While I understand that the account may have been in arrears at one point, I dispute the accuracy of this charge-off status. I have not been provided with proper documentation or evidence to support this status. Non-receipt of 1099: I have never received a Form 1099-C or any other tax-related documentation from OpenSky Capital regarding the alleged charge-off. This failure to provide such documentation has caused significant confusion and uncertainty regarding my tax liability related to the charged-off amount. The inaccuracies in reporting this charge-off and the failure to provide necessary tax documentation have had a profoundly negative impact on my credit report and financial well-being. I believe that OpenSky Capital's actions are in violation of consumer protection laws, and I request your assistance in resolving this matter. I kindly request the following actions from the Better Business Bureau: Investigate OpenSky Capital's reporting practices and assess whether they are in compliance with applicable laws and regulations. Facilitate communication between OpenSky Capital and myself to resolve the issue and request the correction of my credit report to accurately reflect the status of the account in question. Ensure that OpenSky Capital provides me with the necessary tax-related documentation, such as a Form 1099-C, to clarify my tax liability regarding the charged-off amount. If documents are sent with OpenSky claiming they sent a 1099 please request date of mailing of documents.
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 Service
Business Response
Date: 11/28/2023
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:10/03/2023
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 called on 9/1/23 to try and pay down debt on an outstanding balance. When I spoke to ******* I asked would I be able to still use my card after paying agreed amount and came up with a payment to get my account back on track so I thought. On 9/1/23 I paid a total of $205. A week later 9/8/23 I paid $150 and 9/11/23 paid another $100.While checking my open sky account I noticed the available balance on my card never changed so I reached back out to open sky and was told that my account had been closed the SAME DAY I talked to the first representative and agreed on a payment plan 9/1/23. It has now been with no definite solutions or refunds from open sky. I am out of $450 total.
Business Response
Date: 11/07/2023
November 7, 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 Graham, 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: 11/09/2023
The account was closed and refund check was sent to the customer which has been cashed.
Customer Answer
Date: 11/10/2023
[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:

The refund sent was only $208. Of a $600 deposit where I also paid an additional $450. I would have never paid the $450 if I had known my account was closed and I wouldn't be able to use the $450
Regards,

***************************
Business Response
Date: 11/10/2023
The customer was informed at the time of the payments that the account was over the credit limit. The payments made, plus the security deposit covered the account outstanding balance and a credit balance refund was issued for the amount of $208.45. No further refund is owed to the customer and we consider this matter closed.
Customer Answer
Date: 11/13/2023
[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:

At the time I made the $450 payment I was informed that my account was last due that is correct. But NOT that my account was closed and any payment would be used to take care of any balance. I was told that I would still have access to my account and be able to use my credit card and account.

It is recorded and Ive had a supervisor call me In admission that what was explained to me by the representative was incorrect. I want a refund because if I was explained truthfully the status of my account I would have never paid the $450. I want a refund I understand that I would have still owed open sky but it is my right as a consumer to 1) to know the status of my account 2) freely choose if I WANT to pay my credit card bill or not.

I was tricked into paying off an account I could no longer use. I want a refund and understand that I will have a balance on my account.

Regards,

***************************
Initial Complaint
Date:10/01/2023
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.
OpenSky customer service team was ask by myself to close my account which was never late and paid on time because they issued a refund to me in error. The account was not closed as I requested instead they refused to close the account and put a fraudulent charge on the account and sent the account to collections. I was never late on this account and I want this information deleted from my credit profile because this organization has violated my rights which has impacted my credit.
Business Response
Date: 11/02/2023
November 2, 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
Business Response
Date: 11/07/2023
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: 11/19/2023
Please do not close my complaint. I have an off site storage unit that I'm waiting on access to so I can get my documents to respond. I should get the same amount of time allowed to respond as they get. This is a serious matter and has not been resolved but the company has provided a false response.
Best regards,
***************************
Initial Complaint
Date:10/01/2023
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 have been a customer of Opensky cc for 6 months now and I had fraudulent activity on my account which I was told the card I have would be canceled and they would send me another card that I was to receive in 12-14 business days. I first called about this issue on August 14th and I never received the card I called about it and I was told another would be put in the mail and I would receive it in another 12-14 business days. It’s now 2 months later and I still have not received a card in the mail. I was told they offer expedited but for a $50 fee. I asked if I could get a card expedited to me and I was told No because my account is past due. I haven’t been able to use the remaining money I had on my account for 2 months. I have not made a payment because I have not had a card in months. What company takes my money. Canceled my card for fraudulent activity (out of my control) and I can’t get another in the mail yet I’m told to keep making more payments. I just want my full 200 deposit I put in this account. I called about this and they are not willing to help or do anything dispite me not having a card in months
Business Response
Date: 11/06/2023
Account was closed at customer's request and refund was issued.
Customer Answer
Date: 11/07/2023
[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:
The company advised me to continue to pay them each month dispite me being unable to use their services the past 2 months. I have not received any refund and was told I would only get partial refund and not a whole refund for me because unable to use their services

Regards,

*************************
Business Response
Date: 11/28/2023
Fraud claim was resolved and a refund check was reissued.
Initial Complaint
Date:09/29/2023
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.
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. $ 0 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: 11/01/2023
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:09/29/2023
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.
This account has been charged off the debt collectors has gotten a tax write off for this debt and I havent received a 1099 c form this account has a past due date of september 2023 reporting on my credit report and has been charge off for years now this information is inaccurate please remove these from my credit report this is a violation of 15 USC 1692(c) (c) , 15 USC 1681 and 15 USC 1666b
Business Response
Date: 11/01/2023
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:09/29/2023
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 work night shift, I have tried paying my bill 3 different times and have been hung up on the phone by ******. Who collects payments and answers the phone for open sky credit card. Call back and she hangs up on me again. I've tried to get ahold of other people to pay my bill and always get directed to another department who only accepts voicemail.
Business Response
Date: 11/01/2023
Consumer was able to reach customer service and was assisted successfully.
Initial Complaint
Date:09/23/2023
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.
******** ****** ***** *** * ****** ** APT *** TUCSON, AZ *****. OpenSky, A Division of Capital Bank N.A. ***** ********* **** Ste *** Reston, VA **********. I am writing to dispute the accuracy of my OpenSky, A Division of Capital Bank N.A. account reporting. My personal details are as follows: Name: ******** ****** Brown Date of Birth: 09/07/1999 Social Security Number: *********** Account Number: **************** I recently observed inconsistencies in how my OpenSky account was reported on my credit history. Specifically, OpenSky, A Division of Capital Bank N.A., reported me as late for the months of June 2022 and July 2022. However, following these reports, my account was reported as having on-time payments and subsequently closed for inactivity. This representation of inaccurate information violates the law and may result in legal action against data furnishers for FCRA violations. Promptly indicate the appropriate correction by removing the inaccurate reporting of this account resulting in a complete deletion of the account in reference. This dispute is filed in accordance with the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Under Section 1681s-2(a)(1)(A), furnishers of information, such as OpenSky, A Division of Capital Bank N.A., are required by law to provide accurate information to consumer reporting agencies. Inconsistencies in reporting and the closure of an account under these circumstances are in violation of the FCRA, this why I want this account deleted. Enclosed are copies of documents supporting my current address, including a utility bill or lease agreement. Attached documents include: - ID - CREDIT REPORT IMAGE - SSN CARD - UTILITY BILL. You are legally required to respond to this dispute within 30 days of receiving it. Thank you for your immediate attention to this matter. If you require further information or documentation, please do not hesitate to contact me at 469-891-1672 or via email at *********@*****.com.
Business Response
Date: 10/27/2023
October 27, 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
Business Response
Date: 11/03/2023
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: 11/07/2023
[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:09/23/2023
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.
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 ACCT #: *********** BAL. $ 161.00 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: 11/06/2023
ID theft claim was accepted and tradeline is being removed from CRAs.

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OpenSky, A Division of Capital Bank N.A. is BBB Accredited.