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.
- 157 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:07/11/2023
Type:Product 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.
Company sent me a refund of my deposit that was 200 dollars. They shorted me and sent $138. I had asked them to cancel the card a year ago. They said it was for insufficient funds on my card because I told my bank not to allow that company to debit any money from my account because it was supposed to be closed. They owe me $62. 00 from my deposit. It's awful business and they should refund me what they owe me. They are a business.Business Response
Date: 08/03/2023
August 3, 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: 08/07/2023
Our investigation confirmed refund owed was sent and was cashed.
No further investigation is required.
Customer Answer
Date: 08/08/2023
[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:
The business sent me another check after submitting this response to the BBB. It was for $27.00. The total they have paid from my $200 deposit is $165. They still owe me $35. They are keeping the yearly fee for my card even though I asked them to cancel the card a year ago. They still didn't pay back the whole deposit that I paid.Regards,
***************************Business Response
Date: 09/06/2023
September 6, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured Visa® Card customer Tabitha M. Fallin, 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: 09/08/2023
A fee was credited and a refund check has been sent to the customer.Initial Complaint
Date:07/11/2023
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have an Open Sky credit card. The card recently expired in June and I never received a replacement. When I tried calling customer service from the phone number on the back of the card it takes me to Straight talk which is cell phones and internet services. Then I called the number for Capital Bank which is the issuer of my Open sky credit card and again it was for Straight Talk. So both phone numbers they give you for customer service don't work. They say in the contact us area on the app that you can send mail to their P.o box but what if my card was stolen or I needed to discuss my account? I cant speak to anyone if the phone numbers they provide don't work.Business Response
Date: 08/08/2023
August 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 ServiceInitial Complaint
Date:07/10/2023
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.
FCRA Section 611 I ********************* disputes the accuracy or completeness of open sky reporting on my credit file, I notice on my report that the history on this closed account keeps changing, from negative, to positive and I have screen shoot the proof, I called open sky to close this account and this account was closed now the payment keeps changing from month to month, how is this accurate, when the account closed March 2023 and was paid offBusiness Response
Date: 08/03/2023
August 3, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer Ravin Cheek.
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 Ravin Cheek 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: 08/07/2023
Our investigation confirmed the account is reporting accurately according to FCRA.
Customer was referred to contact CRAs for further assistance.
Customer Answer
Date: 08/08/2023
I need to recieve the letter first that they sent to move further
Complaint: ********
I am rejecting this response because:
Regards,
*********************Initial Complaint
Date:07/09/2023
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.
OpenSky CBNA has reported incorrect information to the credit bureaus, ********, *******, and **********.Acct.# ********** I requested that OpenSky CBNA investigate these errors and to provide me with documentation of the errors, my original application, and all other information relevant to their investigation. It has been more than 90 days and I have not received anything.Instead they falsely updated the credit bureaus as correct contrary to the FCRA.Business Response
Date: 08/04/2023
August 4, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer Lisa M. Bibby, 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: 08/07/2023
Our investigation confirmed the account is reporting accurately in accordance with FCRA.Initial Complaint
Date:07/07/2023
Type:Order 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 am not liable for this debt Opensky capital bank na, I do not have a contract with OpenSky Capital Bank NA, they did not provide me with the original contract as i requestedBusiness Response
Date: 08/08/2023
August 7, 2023
Dear ***** ******:
We are responding to the complaint from our OpenSky Secured ****® Card customer ******* *****, on behalf of Capital Bank, N.A.
In order to comply with the Gramm - Leach - Bliley Act (GLBA), Capital Bank, N.A., has contacted the consumer directly. We have addressed their complaint and a letter was mailed to the customer today.Our bank has requested that ******* ***** contact the Better Business Bureau, directly, in response to our 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: 08/08/2023
[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:07/07/2023
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.
COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus. Please investigate and remove it from my credit report.Business Response
Date: 08/03/2023
August 3, 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: 08/07/2023
Our investigation confirmed the account is being reported accurately according to FCRA.
Debt validation proof was provided in our response to the customer.
Initial Complaint
Date:07/05/2023
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.
Briefly, after holding onto my $200.00 security deposit (which I willingly paid in advance of being able to open a secured Visa credit card), it has been over three weeks and counting now since I closed this account with OpenSky and requested a full-refund (which the Customer Service Representative who assisted me assured me would be sent via the USPS ASAP). Yet, I am still waiting for my money!? Ideally, OpenSky would return these funds via Direct Deposit into my bank account (which they have the details of on-file) but their policy is to issue (paper) checks via snail mail. Whatever the case, WHERE IS MY $200.00 REFUND?Business Response
Date: 08/01/2023
August 1, 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: 08/03/2023
Hello,
The refund check was sent to the customer and cashed.
Initial Complaint
Date:07/03/2023
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have attempted and have been attempting to contact this company several times via USPS mail they refuse to respond to my letters or correct my issue. They are reporting on my credit that I owe a balance of $156 and the account is paid,closed, and written off as a charge off. How can I owe a balance and the account is paid,closed and a charge off? There is clear inaccurate information in this account. Also the account balance and past due is inaccurate. I have requested several times for this account to be deleted or be updated to paid and never late. They continue to verify and report this account as accurate with all credit bureaus which is a violation of my consumer right pursuant to 15 U.S.C 1681s-1 responsibilities of furnishers of information (a) Duty of furnishers of information to provide accurate information (1) Prohibition (A) Reporting information with actual knowledge of errors 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.(B) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if(i) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and (ii) the information is, in fact, inaccurate.I have attached letters sent and a copy of my credit report to show all the inaccurate information according to FRCA reporting requirements information MUST be 100% accurate, 100% complete, 100 verifiable. This clearly does not meet those requirementsBusiness Response
Date: 07/21/2023
July 21, 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 ServiceInitial Complaint
Date:06/28/2023
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.
My account was ok until they started adding paper statement fees and late fees on top of everything. I need to have them take off the fees entirely, which is $71 total, and then close my credit account. I don't every use OpenSky there is no point keeping it. Thank you.Business Response
Date: 07/21/2023
July 21, 2023
Dear Sir or Madam,
We are responding to the complaint from our OpenSky Secured ****® Card customer **** *********, on behalf of Capital Bank, N.A.
In order to comply with the Gramm - Leach - Bliley Act (GLBA), Capital Bank, N.A., has contacted the consumer directly. We have addressed their complaint and a
letter was mailed to the customer today.Our bank has requested that **** ********* contact the Better Business Bureau, directly, in response to our findings. Please contact us as soon as you may hear
from the consumer, or, within 30 days of receipt of this letter to update us on your records.Sincerely,
Capital Bank
Customer ServiceInitial Complaint
Date:06/27/2023
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.
This company will only refund a portion of my deposit. I paid $314 in total and got refund totaling $189 dollars. When I asked where my remaining $125 was I told me to call my bank and file a dispute.l or wait for the money to show up in my account. You cannot file a dispute without the receipt they refuse to provide me because I withdrew my application. This is why I’m glad I canceled my application the customer service horrible when you do finally get a hold of someone.Business Response
Date: 07/27/2023
July 27, 2023
Dear Sir or Madam:
We are responding to the complaint from our OpenSky Secured ****® Card applicant ******* ******.
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 applicant 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
OpenSky, A Division of Capital Bank N.A. is BBB Accredited.
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