We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Credit Cards and Plans

OpenSky, A Division of Capital Bank N.A.

Headquarters

BBB accredited business seal
BBB Accredited BusinessA 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

Find a Location

OpenSky, A Division of Capital Bank N.A. has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 523 total complaints in the last 3 years.
    • 157 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/21/2023

      Type:Billing Issues
      Status:
      Answered
      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 Opensky Capital Bank account on my credit report is inaccurate. I previously disputed this account and the credit bureaus responded that this account is verified from the creditor, when in fact it is not. More specifically, I am referencing to the fact that they are reporting incorrect Last Payment Date. Therefore, this account is not 100% verified. The law specifically states that, If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly delete that item of information, as appropriate, based on the results of the reinvestigation.

      Business Response

      Date: 09/13/2023

      September 13, 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: 09/16/2023

      We determined the information reported was complete and accurate as of the date(s) we furnished it.

    • Initial Complaint

      Date:08/19/2023

      Type:Product Issues
      Status:
      Answered
      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 OPENSKY CAPITAL BANK NA, They have never provided me money in any way shape or form. I can not owe money to a company that has never provided me their money. This company has never given me money.

      Business Response

      Date: 09/13/2023

      September 13, 2023

      Dear Sir or Madam,

      We are responding to the complaint from our OpenSky Secured ****® Card customer Emmanuel Guerrero.

      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: 09/16/2023

      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:08/19/2023

      Type:Billing Issues
      Status:
      Answered
      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 tried paying my bill for over a month and a half and it takes over 10 to 12 days for the purchase to go through and they keep refunding my money and charging me more money so I can't pay. I think they're doing this on purpose and I have never had such a hard time with a credit card

      Business Response

      Date: 09/13/2023

      September 13, 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: 09/21/2023

      Account blocked due to returned payments. Requested bank account validation to reactivate account.

    • Initial Complaint

      Date:08/19/2023

      Type:Billing Issues
      Status:
      Answered
      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 recently closed an account with Opensky **** secured credit card on April 4, 2023. I received a check for the security deposit on April 26, 2023 for $200. I tried to cash the check with ***** ***** on June 6 but could not cash it. The check said it was posted to my account but was not received in my account. I have been back and forth with Opensky and ***** ***** as to why I could not deposit the check. ***** ***** conducted an investigation and found that the check was issued to me and another person for the same amount with the same check number. I contacted Opensky, who has 3 investigations open for my account, and said they would reissue the check. I have since had 3 reissue dates for the check but have not received it. Each time I call, I receive a different excuse why my check has not been reissued.

      Business Response

      Date: 09/15/2023

      September 15, 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: 09/21/2023

      Security Deposit refund check was issued and mailed to the customer.

    • Initial Complaint

      Date:08/17/2023

      Type:Product Issues
      Status:
      Answered
      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 with opensky for 6 years. On their website a secured card can gratuate to unsecured card with 6 month. I was told by the rep there are no such a thing.

      Business Response

      Date: 09/13/2023

      September 13, 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: 09/16/2023

      Unsecured card offer is by invitation only based on account performance. 

      Consumer misunderstood the concept. 

    • Initial Complaint

      Date:08/16/2023

      Type:Billing Issues
      Status:
      Answered
      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 tried contacting Open sky regarding an account that is appearing on my credit report.The account is establish in my name by my social security number and date of birth.I never open the account and the account is fraud an needs to be removed from my name.I never open or gave any consent for this account to be opened.Please use my email address or phone number to contact me.I travel on my job and might not be available.Please contact by email.I hope the application and charge receipts can be forwarded to me immediately.Thanks

      Business Response

      Date: 09/15/2023

      From: ************************* <****************************************>
      Date: Fri, Sep 15, 2023 at 4:26 PM
      Subject: *************************** - BBB Complaint ID: ********
      To: ************@mybbb.org <*******@mybbb.org>

      Hi *****,

      A response letter was sent to the customer today, September 15, 2023.

      ID theft claim was accepted and tradeline is being removed from CRAs. 

      Thanks!

      *************************
      Vendor Relations Associate II
      OpenSky, a division of Capital Bank, NA

      Office     ************
      Email       ****************************************

    • Initial Complaint

      Date:08/15/2023

      Type:Billing Issues
      Status:
      Answered
      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 BBB team To whom it may concern: I had a balance of 218.61  and paid it in full on 3/19/23. I was promised my security deposit back. If you pay in full. I paid in the amount of 200.00 and the card ending in **** and reference number is ***************** I never received my credit and they refused to pay me it back. Please help me with this scam company.

      Business Response

      Date: 09/15/2023

      From: ************************* <****************************************>
      Date: Fri, Sep 15, 2023 at 4:19 PM
      Subject: ************************* - Complaint ID: ********
      To: ***********@mybbb.org <[email protected]>
      Cc: Dispute Resolution Team <[email protected]>

      Hi *****,

      A response letter was sent to the customer today.

      The account was closed at consumers request and no refund is owed as it was used to offset the account balance.

      Thanks.

      *************************

      Vendor Relations Associate II

      OpenSky, a division of Capital Bank, NA

      Office     ************

      Email       ****************************************

    • Initial Complaint

      Date:08/15/2023

      Type:Billing Issues
      Status:
      Answered
      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 creditor Have not supplied proof under the doctrine of estoppel by silence ********** ****************** (mo)281 sent 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. I am not liable for this debt with OPENSKY CBNK, I do not have a contract with OPENSKY CBNK, they did not provide me with the original contract as i requested.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name: ********************** CBNK Account Number: **************** has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to the FCRA this account is in volition of 15 U.S. Code § 1666b . 15 U.S.C 1681 section 602 A, 15 U.S.C 1681c. (a)(5),15 U.S.C 1681 Section 604 A Section 2,15 U.S.C. 1681s-2 (A)(1) please delete this account immediately.

      Customer Answer

      Date: 08/26/2023

      I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes: Section 611(a) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those tems from my credit report it nas boon over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

      Business Response

      Date: 09/28/2023

      September 28, 2023

      Dear Sir or Madam,

      We are responding to the complaint regarding this OpenSky Secured ****® Card account from ******* ** ********, 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:08/08/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      Have a fraudulent acount in my name. Tried to call in but no agent would speak to me because I couldn't verify anything besides my name and social. How can I prove myself when you run no credit check and don't verify the customer. No offices in texas all online. Need help my credit was perfect until this happened.

      Business Response

      Date: 08/29/2023

      August 28, 2023

      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: 09/06/2023

      The ID theft claim was accepted and tradeline is being removed from CRAs. 

    • Initial Complaint

      Date:08/08/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 card can not be canceled. I can not get my money back. There is no way to cancel on the app or online. It says to call the number. I have called the number NUMEROUS times and sat on hold for over an hour. It then hangs up on you without allowing you to speak to anyone. Close my account and give me my money!!!! Also, a refund needs to be issued for the yearly service fee as I would not have incurred that charge if someone would cancel my card!

      Business Response

      Date: 08/28/2023

      August 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: 08/29/2023

      Account was sucessfully closed at consumer's request and refund processed.

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

    BBB accredited business seal

    This business has committed to upholding the BBB Standards for Trust.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.