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.
157 complaints closed in the last 12 months.

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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:09/20/2023
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.
On 7/13/2023 I talked to a customer service representative regarding bill pay and making my account current. The representative said if I paid the $550 he would reverse the extra fees associated with my said account. My balance at time of phone call was $593. The representative said I would be able to use my card, which was in accurate once my payment posted to my account. I was mislead and I should have full use of my account and report to credit bureaus of my positive balance
Business Response
Date: 10/24/2023
October 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
Business Response
Date: 10/26/2023
Blocked has been removed from account and provided credit for some fees charged as a courtesy
Initial Complaint
Date:09/20/2023
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 paid Opensky on 8/22/2022 for a charged off account I was told that the account would be removed within 30 days of my payment clearing. This is account is negatively affecting my credit
Business Response
Date: 10/24/2023
We determined the information reported was complete and accurate as of the date(s) we furnished it.
Initial Complaint
Date:09/18/2023
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.
05/01/2021 I was applied for a secured credit card minimum deposit was $200 but I wanted a bigger credit limit so I used my debit card to pay on their portal for the $300 credit card and after i paid my deposit i was declined the card. I never have been able to speak to anyone im on hold the entire time i call ive sat on hold for a few hrs desperate and wanting my refund. I have sent emails I have mailed a letter and nothing has been done I would like my money back I have all my proof of pictures and acct statements and disputes that nothing came from. please help
Business Response
Date: 10/24/2023
Hello,
A letter was mailed to the customer advising the application was declined and that their security deposit that was received via debit card was voided.
Initial Complaint
Date:09/13/2023
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.
In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality OPENSKY ********** According to my rights under 15 U.S.C 1681 604A Section 2: The law clearly states a consumer reporting agency cannot furnish an account without my permission. According to my rights under 15 USC 1692a I sent a letter to convergent asking for: 1. Validation of the debt-that is, the actual accounting. 2. Verification of signed invoice 3. A copy of the contract binding both parties ( me and them ), in a letter by "certified mail" so that there is an independent " witness to it having been delivered. " However, according to 15 USC 1692e, 15 USC 1692d and 15USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. However this account was fraudulently opened using my information as a result of IDENTITY THEFT. I did not open this account neither do I have any knowledge of this account. I have also filled reports of my Identity theft alongside police report and I have all the paperwork and documents. I will be attaching copies of my identity reports to this complaint. I want this report deleted from my report immediately according to my rights as I am a victim of identity theft.
Customer Answer
Date: 10/05/2023
Im waiting on a response from the business regarding my report and the account is still showing on my report despite my complaint and documents provided. I need this account deleted from my report immediately.
Business Response
Date: 10/16/2023
October 16, 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: 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: 11/08/2023
[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: I did not open this account, I am not the owner of this account , I am not responsible for this account . This account was opened using my information as a victim of identity theft. I need this account removed from profile immediately. I attached copy of my Identity theft and police report filed as regards to this account.

Regards,

*******************************
Business Response
Date: 11/28/2023
ID theft claim was accepted and tradeline is being removed from CRAs.
Initial Complaint
Date:09/10/2023
Type:Customer Service 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, and should not be held liable in any form for OPENSKY CBNK I do not have a contract with OPENSKY CBNK NA. They did not provide me a copy of the original contract that I requested from them.
Customer Answer
Date: 09/18/2023
Hello I have attached requested documents
[Date: 03/21/2023
Dear Sir/Madam,
I hope this letter finds you well. I am writing to request the original contract or other verification of a debt that appears on my account with OpenSky, A Division of Capital Bank N.A.
I am writing to dispute the validity of this debt and to ensure that it is accurate and properly documented. In accordance with my rights under the Fair Debt Collection Practices Act (FDCPA), I kindly request the following information:
1. The original signed contract or agreement related to the alleged debt.
2. Verification of the amount owed, including a detailed breakdown of any fees, interest, or other charges that have been applied.
3. Proof of your authority to collect this debt on behalf of OpenSky.
4. Verification of the original creditor's information
I request that you provide me with this information within 30 days from the date of your receipt of this letter, as is required by the FDCPA. If you are unable to provide this information within the specified time frame, I request that you cease collection activities on this debt until you can provide the requested documentation.
Please send all correspondences regarding this matter to the address listed above. This will help ensure that I receive all communications related to this debt.
I appreciate your prompt attention to this matter. It is important to me that this issue is resolved as quickly as possible. Thank you for your cooperation.
Sincerely,
Business Response
Date: 10/18/2023
October 18, 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: 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.
Initial Complaint
Date:09/08/2023
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.
Dear OpenSky CBNK,I am writing to address a matter of significant concern regarding the sharing of my nonpublic information with credit bureaus, which has resulted in the furnishing of inaccurate information on my credit report, specifically related to my account with number **************. This situation has had a profound and distressing impact on my financial and emotional well-being, and I wish to bring to your attention the legal provisions that support my concerns.The inaccurate reporting of my credit history has had severe consequences, including denied credit and loans, and has inflicted substantial financial and emotional distress upon me. Under 15 USC 1681, Section 602, I have the right to privacy concerning my financial information, and it appears that OpenSky CBNK may not have obtained my written consent to share my information with credit bureaus, potentially infringing upon my privacy rights. Furthermore, 15 USC 1681, Section 604, Subsection A, Section 2, explicitly states that a consumer reporting agency cannot furnish information about an account without obtaining written instructions from the consumer, which I do not recall providing. Additionally, 15 USC 1666, Subsection B, stipulates that a creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose. If the account in question was inaccurately categorized, this provision underscores the potential legal and ethical concerns. I urgently request that OpenSky CBNK conducts a thorough investigation into this matter and promptly takes corrective action to remove the inaccurate account information from my credit reports. This will not only alleviate the financial and emotional distress I have endured but also ensure compliance with federal law. I appreciate your prompt attention to this matter and anticipate a swift resolution. Sincerely,*******************************
Business Response
Date: 09/28/2023
September 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 Service
Business Response
Date: 09/29/2023
We determined the information reported was complete and accurate as of the date(s) we furnished it.
Initial Complaint
Date:09/06/2023
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 had not used this card in over a year, probably closer to two years and was being charged the annual fee for the next year so I called to cancel the card. They talked me into keeping it by paying the annual fee and having me sign up for paperless billing online so I wouldn't receive the monthly $3 statement fee. I signed up for paperless billing and was never intending to use the card except for emergencies so I put it up. They sent me ANOTHER statement in the mail after that, charging me $3. Understand, I had a ZERO BALANCE. They sent me a statement and the only charge on it was $3 STATEMENT FEE for sending the statement that I had opted out of anyway. This is insanity. I call to ask why since I signed up for paperless billing and they had charged me a $27 late fee for not paying the $3 I should have never been billed in the first place. This is shady business practice. The customer service rep told me “you should have made your payment” Again I haven’t used this card in almost 2 years. And the only reason I kept it at all was because it would have been a zero balance. I don’t appreciate the insinuation that I don’t pay my bills. We lost our home in Hurricane Ian and almost a year later we’re still not able to get back into our home yet. Which is why I hadn’t checked my mail in so long, we don’t live there but since I signed up for paperless billing, I shouldn’t have needed to check it anyway. This is really bothering me I feel taken advantage of, by a billion dollar company. My family is already struggling to make it after a very hard year. I made the payment and canceled the card because she said I would continue to accrue late fees until they sent us the money we used to start the account which could take up to 8 weeks. What’s sad is I’ve told so many family and friends to sign up for this card to help build their credit. I will think twice now.
Business Response
Date: 10/02/2023
October 2, 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: 10/16/2023
Fees were credited. No balance owed. Account closed per customer request and the information reported was complete and accurate as of the date(s) we furnished it.
Initial Complaint
Date:08/29/2023
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 had paid my card off at the last annual renewal and did not touch it once. In February, I received a bill stating I owed money for a purchase made in China. I called in and reported it as fraudulent. They assured me they would take care of everything, not to worry. Next billing statement, two more charges not made by me, plus a late fee for the prior fraudulent charge and a paper statement fee. Called in again, they said they would take care of it. The next month, received yet again another bill with late fees. Called in a third time, was transferred to multiple different departments until they closed for the night. Every call resulted in being on hold for longer than an hour to even initially speak to someone and then additional lengthy holds in between departments. Everyone I spoke to gave excuses as to why I was talking to the wrong department. Also, it seems as if contact notes are not left in the accounts by the employees, as I had to start from scratch explaining the situation EVERY SINGLE TIME. This has gone on since February! I have called back two additional times with almost identical experiences. The last call, I was told I would receive a call back from a manager within 24 hours. I never heard from anyone. Their agreement states that they do not expect you to pay disputed charges, nor will they attempt to collect. In reality, they have done nothing but (while also adding late fees, interest included!). It was a secured credit card and the most recent statement showed that they refunded my security deposit to themselves and that I still owed money. My credit score has dropped approximately 70 points because of this mess. I dont know what else to do aside from hire an attorney. Their customer service is atrocious and completely unacceptable.
Business Response
Date: 08/21/2023
Hello BBB,

There seems to be some confusion on the consumers part. We are www.opensky.com, not www.*********.com. We are a retail site that sells products to consumers, much like ******.com or *******.com. We have no connection to the OpenSky Credit Card. It is just an unfortunate(for us) coincidence. The OpenSky credit Card support can be reached at **************.

Sorry for the confusion,

*******************************
Customer Operations Manager

Business Response
Date: 09/28/2023
September 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: 10/02/2023
I can confirm that this has been resolved in the customer's favor. The balance is $0, the security deposit refund is being prepared an AUD has been flied to remove delinquencies.
Initial Complaint
Date:08/27/2023
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.
recently i was a victim of identity theft and noticed **** ********* reporting on my credit reports under the consumer fair reporting act i ask that this acct be deleted from all credit reports
Business Response
Date: 09/29/2023
September 29, 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: 10/02/2023
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. I can confirm that the account was used for transactions and was charged off due to non-payment.
Initial Complaint
Date:08/21/2023
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.
My last 3 payments to this company via OpenSky Credit Card Department, I have had issues with OpenSky, requesting that I send over documents of ownership from my bank as well as payment receipts. I have discussed with the credit card company the issue of them holding payment as paid and not returned yet the payment does not reflect on my account Statements. OpenSky credit card services, who uses ******* ****, has consistently reported negative on my credit report where I applied for this credit card as a secured card to increase credit score and show history of payments. However, as of date, Aug 21, 2023, I have honored al payments and the company has given me issues regarding payments that have processed. Customer service is requesting on a consistent bases for m to send in bank ownership documentation every time a payment is made. Along side of that confidential information, they are asking for proof of payment from the account showing payment posted as well as available amount in the account. All of which leave my personal and business accounts vulnerable for theft.
Business Response
Date: 09/06/2023
September 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 Service
Business Response
Date: 09/08/2023
Returned payment and missed payments caused the account to report past due.
Customer Answer
Date: 09/08/2023
[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:
That statement of returned payment is incorrect as I made the payment of 800+ dollars to bring the account current prior to making the claim. Afterward making the payment the company was still asking me to provide documents from my bank after the payment cleared. OpenSKy wanted me to show ownership of the bank account, as well as payment made with exact amount on a statement that had me listed as owner as well as my home address on the account. All of which is sensitive documents that were being requested as they were stating that the account had to show routing and account number where the payment was made from.

Regards,

**********
Business Response
Date: 09/21/2023
The requested documentation to lift the block was received and no further action is needed.

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