ComplaintsforOpenSky, A Division of Capital Bank N.A.
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Complaint Details
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Initial Complaint
06/25/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
OpenSky was paid in full moths ago by myself on an account that had been closed for over 2 years. They are reporting my information wrong ever month even though I have contacted them multiple times in regards to the FACR laws but to no avail. I paid the account to $0 on a closed account and now they are reporting a revolving/ open /unpaid account. The are killing my Credit score every month and will not report the accurate information that has been provided to them to the credit bureaus. I have filed multiple disputes through the bureaus as well but they won't correct the inaccuracies.Business response
07/07/2023
July 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 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
06/17/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Going through my credit reports, after finding a false account and erroneous information, I located this trade line well. And am demanding it be removed from all 3 credit bureaus on my credit reports immediately and permanently. As I do not own, nor do I owe this company any money. They are inhibiting my financial future by having this fake trade line associated to my credit and it needs to be handled. My attorney has already advised me to make a formal complaint on an open forum to give this company a chance to rectify this situation, but if not, litigation will be filed and a lawsuit will be bought against them.Business response
07/11/2023
July 11, 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
06/16/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
In accordance with the Fair Credit Reporting Act OPENSKY CBNK Account #**************** , 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 an account without my written instructionsBusiness response
07/10/2023
July 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 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
07/12/2023
Hello,
Our investigation confirmed the account is reported accurately in accordance with FCRA.
Initial Complaint
06/12/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I did not open this account.I have tried to have it removed with no success.I am a victim of cyber theft and have provided this information to the credit bureau with no success.Business response
07/05/2023
July 5, 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
06/12/2023
- Complaint Type:
- Product Issues
- Status:
- Resolved
Subject: Delayed Refund of Secured Deposit by Open Sky CC Description of the Problem:I contacted Open Sky CC on April 19th, 2023, to close my secured credit card account with a zero balance. They assured me a $200.00 deposit refund would be sent via mail. However, the check was returned on May 22nd due to an incorrect address. Despite verifying my address multiple times, Open Sky CC issued another check on May 24th, which they claimed got lost in the mail. After numerous calls and delays, they now state I will receive the third check refund in mid-July. I seek assistance in obtaining a prompt resolution from Open Sky CC.Customer response
06/28/2023
From: ********** <*********************>
Date: Wed, Jun 28, 2023 at 1:03 AM
Subject: *************************, complaint # ********, Was Paid
To: <[email protected]>
Hi BBB,
I received my 200.00 security deposit yesterday, 06/26/2023.
Kind regards,
*************************
*********************
************Initial Complaint
06/12/2023
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with OPENSKY CBNK, I do not have a contract with this agency. They did not provide me with the originally contract as requestedInitial Complaint
06/08/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I applied for an open sky card in which you add money to be used. There website states to enter any amount $25 or up. I entered only $60.00 to be uploaded. When the transaction was finalized they took $700. 00 from my account without my authorization. They told me that was the amount I entered which I am certain I did not. There websites is scamming people out of there initial deposits. I want a full refund of my money taken. Open sky needs to take accountability.Business response
07/11/2023
July 11, 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
06/07/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match the payment history is reporting ok and late at the same time after being put on notice about the inaccurate reporting open sky continued to report with known errors and that's a violation of the fair credit reporting act 15 usc 1681s-2 (a) (1) (A) (B)Business response
06/29/2023
June 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 ServiceInitial Complaint
06/05/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
Impossible to reach customer service. Have been trying to find out the transit status of secured credit card. The number provided only refers you to the online site which refers you to the customer service #. basically a dog chasing its own tail. I want a refund. Provide a number or email address to which I can speak to someone directly. ***************************************** is a unmonitored e-mail address. To check the status of your application, visit us at www.openskycc.com and click on the 'Check Application Status' link. We will also send you regular email updates regarding your application. - I checked that it just stated my card will he mailed but doesnt tell me when .OpenSky ************ / this number only tells you to check the the 'Check Application Status' link. I am giving you adequate notice to provide me with a full refund within 3 business days.Or Deliver my secured credit card within 3 business days.Business response
06/28/2023
June 28, 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
06/05/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
Received credit card offer on ****, accepted 5 14 did not receive the card.xalked 6 times been lied and hung up on. Spoke with supervisor didn't help just said she was sorry. Provide no resolution. Told I can email the invite and acceptance refused. Miw shieing on cried report new card but they can't see anything.Business response
06/28/2023
June 28, 2023
Dear Sir or Madam,
We are responding to the complaint dated June 12, 2023, from our OpenSky Secured ****® Card customer Stacy Bellinger.
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
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Customer Complaints Summary
515 total complaints in the last 3 years.
175 complaints closed in the last 12 months.