ComplaintsforOpenSky, A Division of Capital Bank N.A.

Credit Cards and Plans

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Customer Complaint:

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Initial Complaint
01/07/2023
Complaint Type:
Product Issues
Status:
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.
I applied and was approved for a secured credit card with ooen sky, I also paid mlre than the minimum deposit price that same day. December 19th, 2022. They tell you that the card should be recieved with 12 to 14 days. It had been over that time and they do not give any type of info on why or when i will recieve this. They **** not give back my money, or even give access to am account i paid for prior ! I want my money back now ! I would like a refund right away just like they force you to pay for this terrible service as soon as being apporved but wont even give you account info. Ive seen multiple reviews on this exact compmaint. Not a single person has recieved their card or money back or information. This needs to be fixed now. I should not have to ask for MY MONEY BACK and get zero response . This is the worst credit card company ive come across. Get people their money back. I paid for this service 12/19/2022 and it is now 01/07/2023. I want my money refunded to my card asap. Thanks
Business response
02/10/2023

Dear Sir or Madam,

We are responding to the complaint from our OpenSky Secured Visa® 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 Jasmine Andrews 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
Initial Complaint
01/06/2023
Complaint Type:
Billing Issues
Status:
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.
I opened a secured card with this company in the spring of 2020 with a $200 secured deposit. I eventually defaulted on the card with a balance of $231 later that year but now they say that I owe $266. When I called to explain that I had a $200 deposit and that my balance should only be $66, they refused to explain how my remaining balance is still so high after supposedly applying my deposit to the account after it was closed. They claimed that they charged what amounts to $191 in fees after the account was already closed but when I asked for a breakdown the customer service representative refused and disconnected the call. I attempted to call back and explain my situation to other reps but they kept forwarding my call to the collections and recovery department telling me in order to fix this I had to send my request in writing. Meanwhile the first rep told me that I couldve had those fees waived and said she would submit a ticket for those fees to be waived today however she did not confirm that this fee waiver request was submitted before she disconnected the call. The phone reps were not at all helpful and very argumentative when all I wanted was an explanation of the fees, those fees waived as was promised me and to pay off the remaining balance and to get confirmation that OpenSky would remove the collection from my credit report. Instead, my very simple, already agreed upon request was argued over by every rep I attempted to speak with. Altogether I spent over 2 hours on the phone to be berated and insulted by their customer service reps. I refuse to pay a dime until these fees are explained, and waived and I will be sending a demand letter.
Business response
02/16/2023
Dear Sir or Madam,

We are responding to the complaint from our OpenSky Secured Visa® 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
Customer response
02/26/2023
[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 am not satisfied with the level of research and transparency this company has provided. They say they listened to the phone calls which means they have the recordings of them so why not send them to me if they are so confident that no agent ever told me they could waive some of the fees associated with my account? They provided everything accept the recordings of the phone calls they clearly have. I am not happy with the response nor will I be until someone from this company explains and verifies how my assertion is incorrect that I was told fees could be waived. This company also wholesale rejected my complaint about their customer service agents being rude and unprofessional when all I wanted to do was resolve an issue and pay off a balance. If this company stands by the absurdly low level of service that I received and have the recordings then prove that your employees are who you say they are. I would not recommend this company or credit card to anyone that actually values being able to speak to someone on the phone who is courteous and willing to help. No secured credit card is worth the disrespect that employees of this business have shown me as a consumer and customer. There are unsecured cards available for consumers with damaged credit and I'm sure they would actually value someone's business moreso than opensky.

Regards,

*********************
Initial Complaint
01/05/2023
Complaint Type:
Sales and Advertising Issues
Status:
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.
****** was very unprofessional and this bank is running a scam on people opening an account . They charged my account 25 late fee that i could of paid but they locked my account and didn't assist me but asked if i want a credit not to close my account. Open sky is a bad bank dont use them
Business response
02/09/2023
Dear Sir or Madam,

We are responding to the complaint from our OpenSky Secured Visa® 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
Initial Complaint
01/05/2023
Complaint Type:
Customer Service Issues
Status:
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.
I applied for a pre-paid credit card on December 15, 2022. I paid $700.00. I was not contacted by the company since then either by phone or by mail regarding my credit card not sent. The one fluff company email had a no-reply The site refers you to their ******** page "Opensky" page to resolve your issue. My heart pumped when I saw many comments erased and that many people ALSO did not receive their card and could not get through to Customer Service with the 1 800 number. **************. My bank statement has this number on my statement **************. This number has no live person and refers you to the website only or to call the number on the back of the card (which I don't have). I want my money back.
Business response
02/01/2023
February 1, 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
Initial Complaint
01/04/2023
Complaint Type:
Customer Service Issues
Status:
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.
This company has been accepting security deposits from customers for credit cards and telling them that they will be in the mail within 2 weeks. Some customers have been waiting 3 months, and there is still no update from the company. On top of this, they are still charging the annual card fee for customers that have not even received the card yet.
Business response
02/14/2023
February 14, 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
Initial Complaint
01/04/2023
Complaint Type:
Billing Issues
Status:
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.
I'm contacting about two accounts that were incorrectly charged off and my money was not returned. Acct: ending in **** & ****. Under email *************************** Charge off amount of $153 and $127. Please remove both of these from my credit. I put $200 in both account. That is my money. You guys was supposed to return that back to me anyways. And I have contacted about the cancellation of my account but you guys didn't cancel it. You charged it off the debt collector. Please remove from credit and if possible legally check me my remaining funds as that is my money that was promised back to me
Business response
02/14/2023
February 14, 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
Customer response
06/13/2023
[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:

---------- Forwarded message ---------
From: ****** ****** <****************@*****.com>
Date: Tue, Jun 13, 2023 at 4:00 AM
Subject: Re: Please reopen dispute ********
To: Dispute Resolution Team <[email protected]>

I apologize I’m late. Please send them this response along with the documents attached

This is my response:

The evidence is on the documents you guys have sent me. Have documented everything and ready to all the evidence to take this case further if necessary because you guys are supposed to help people build credit but instead have ruined my credit. For account ending in 1929, you can see you on the account that the last purchase that I had made was $41.15 at ****** gas station and made a payment of that month of $38 on 7/13/2021 and $25 on 7/14/2021 totaling $63. After that I mailed you guys saying I wanted to cancel the credit card and even called a week later to say the same thing and confirmed what I have written. My balance was $178.40 which was below $200 which is my initial deposit. You guys began charging fees and interest of $25 on 8/15 and $2.59 interest on 8/17. And then charged 38 fees for consecutive months along with interest fees totaling $127. With the whole balance being $327 Then you charged off the account using my initial deposit. the $127 you guys say I owed on this account is all fees which was never supposed to happened because I requested you guys to close my account.

Same as for account ending in ****. Last purchase I made was $7 on Amazon prime with $189 balance and you charged $28 on 8/17 along with $3 and $2.68 fees making the balance go over even after I requested to close my account and use the initial deposit to close the account. I didn’t even ask for you guys to return me the extra change. You guys charged fees till the balance reached $353 balance and charged it off . Saying I owe $153. No I don’t. Those are the fees you continued to charge for no reason after I closed the account.

Please correct these and remove this charge off from my credit and make this right. I have attached documents and photos justifying everything I’m saying.

Regards,

****** **** ******
Business response
06/29/2023
June 29, 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
06/30/2023
Good afternoon,
A second investigation was performed on both accounts and our respond remains the same as the previous mailed to the customer on 2/14/23.
All fees charged were valid and the account is being reported accurately according to FCRA.
Evidence was enclosed with the response letter mailed to the customer on 6/29/23.
Customer response
07/07/2023
[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:
I have received your response in the mail and this issue is not about a refund. I do not owe you guys any money. please remove both credit cards from my credit. I have provided you guys with sufficient information regarding this case.

Regards,

****** **** ******
Initial Complaint
12/29/2022
Complaint Type:
Product Issues
Status:
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.
I requested a replacement card around 12/1/2022 and noticed I did bot receive my card in the mail. The company did not advise me when I called around 12/1/2022 that they had a vendor issue with keeping cards in stock. After calling twice on the week of 12/12/2022, I was advised it could take weeks to send out a card. This is unacceptable for doing business. I would requested to close my account due to being able to not use my card and not having been communicated about this issue from the beginning. I do not trust the business to send my money back on my closed account in a timely manner based on internal vendor / card processing issues.
Business response
01/24/2023
January 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
Initial Complaint
12/29/2022
Complaint Type:
Product Issues
Status:
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.
I payed $200 for a secured credit card thru this company. I was told nothing about supply chain issues before they took my money. I paid them on December 4th 2022. I still haven't received the card or my money back. All correspondence I have from them says the issue would be resolved in 4 days. Which Is obviously false. They are advertising services that are false. Which I'm pretty sure isn't allowed. Not to mention they have sent me a bill already before I have received any service from them. And from what I'm reading on various reviews I'm not the only one. Can someone give me some directive as what to do. Do I need to hire a attorney or will this issue be resolved another way?
Business response
02/07/2023
Dear Sir or Madam,

We are responding to the complaint from our OpenSky Secured Visa® 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
Initial Complaint
12/29/2022
Complaint Type:
Customer Service Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I paid for a secure credit card from "OpenSky" on November 30th of 2022 at 8:32 PM. They claim there was suppose to a card sent out 3-5 business days after the payment was posted. Every time I go to the site and check status it says that the money ISN'T posted but when I call in they verify that they've received it. I was told by the same person who's faking her name over and over as a different person (one was ****** or something another was ******), she said Thursday that there was a "plastic shortage" and that's an email was sent out Dec 12th of 2022. I NEVER received an email. When I mentioned that I never received the "email" a TEXT MESSAGE coincidentally came in Monday saying:"OpenSky: We apologize for the delay in the shipment of your OpenSky ************ Credit Card and any inconvenience this has caused you. We and many other financial institutions are experiencing delays in the creation of new, re-issued, and replacement credit cards due to supply chain issues. We understand your frustrations and will communicate with you via text when we mail your card."I texted back immediately saying if my card wasn't going to get here before the holidays (Christmas), I don't want the card and I would need my $200 refunded. I got a message back saying "The keyword you specified was not recognized." I called back today & asked them was my account canceled and when will I receive my refund. First she said 8 weeks, then she said 4 weeks then changed it when I verified 4 weeks. She said 4-8 weeks. This is ridiculous. They can clearly put the money back in 3-5 business days and now they won't pick up my calls, respond to me emails or anything. The last email I got was when I hung up the phone after being on the phone 10 minutes talking about this card. The email said my account was canceled but I owed $35. I sent an email saying I'm not paying $35 for a card I never received let alone used. I think they've blocked my number because now my calls go straight to voicemail.
Business response
01/24/2023
January 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
Customer response
01/31/2023
[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. I have not heard from the company itself but I have received my money back through the bank because they refuse to send me my money back. The bank reimbursed me and sent me a new card so I wouldn't have this issue again

Regards,

*********************
Initial Complaint
12/28/2022
Complaint Type:
Billing Issues
Status:
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.
my account was fine for along time. I was not getting charged statement fees until one month, a $3 fee came in. i was charged late fees and someone helped reverse one and i even made a payment for more of the balance which i still didnt feel that was right. after being told that it satisfied my account, i was charged more fees, for 2 months. they now will not help me. my statements are missing for a whole year and are not available to me. i tried to talk to a lady but she refused to help me, told me she can only wait 4 minutes and then ended up hanging up or leaving me on hold cause she didnt wanna wait on hold. she said she could schedule a callback in 3-5 days. at this very moment, she still has me muted on hold ,refusing to talk.
Business response
01/27/2023
January 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

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ComplaintsforOpenSky, A Division of Capital Bank N.A.

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