Additional Complaint 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.

See all additional business information

Need to file a complaint?

BBB is here to help. We'll guide you through the process.

File a Complaint

Initial Complaint
10/03/2023
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 called on 9/1/23 to try and pay down debt on an outstanding balance. When I spoke to ******* I asked would I be able to still use my card after paying agreed amount and came up with a payment to get my account back on track so I thought. On 9/1/23 I paid a total of $205. A week later 9/8/23 I paid $150 and 9/11/23 paid another $100.While checking my open sky account I noticed the available balance on my card never changed so I reached back out to open sky and was told that my account had been closed the SAME DAY I talked to the first representative and agreed on a payment plan 9/1/23. It has now been with no definite solutions or refunds from open sky. I am out of $450 total.
Business response
11/07/2023
November 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 Graham, 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
11/09/2023
The account was closed and refund check was sent to the customer which has been cashed.
Customer response
11/10/2023
[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 refund sent was only $208. Of a $600 deposit where I also paid an additional $450. I would have never paid the $450 if I had known my account was closed and I wouldn't be able to use the $450
Regards,

***************************
Business response
11/10/2023
The customer was informed at the time of the payments that the account was over the credit limit. The payments made, plus the security deposit covered the account outstanding balance and a credit balance refund was issued for the amount of $208.45. No further refund is owed to the customer and we consider this matter closed.
Customer response
11/13/2023
[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:

At the time I made the $450 payment I was informed that my account was last due that is correct. But NOT that my account was closed and any payment would be used to take care of any balance. I was told that I would still have access to my account and be able to use my credit card and account.

It is recorded and Ive had a supervisor call me In admission that what was explained to me by the representative was incorrect. I want a refund because if I was explained truthfully the status of my account I would have never paid the $450. I want a refund I understand that I would have still owed open sky but it is my right as a consumer to 1) to know the status of my account 2) freely choose if I WANT to pay my credit card bill or not.

I was tricked into paying off an account I could no longer use. I want a refund and understand that I will have a balance on my account.

Regards,

***************************
Initial Complaint
10/01/2023
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.
OpenSky customer service team was ask by myself to close my account which was never late and paid on time because they issued a refund to me in error. The account was not closed as I requested instead they refused to close the account and put a fraudulent charge on the account and sent the account to collections. I was never late on this account and I want this information deleted from my credit profile because this organization has violated my rights which has impacted my credit.
Business response
11/02/2023
November 2, 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
11/07/2023
We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it.
Customer response
11/19/2023
Please do not close my complaint. I have an off site storage unit that I'm waiting on access to so I can get my documents to respond. I should get the same amount of time allowed to respond as they get. This is a serious matter and has not been resolved but the company has provided a false response.
Best regards,
***************************
Initial Complaint
09/29/2023
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.
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. OPENSKY CBNK ACCT #: ****************BAL. $ 0 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Business response
11/01/2023
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
09/29/2023
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.
This account has been charged off the debt collectors has gotten a tax write off for this debt and I havent received a 1099 c form this account has a past due date of september 2023 reporting on my credit report and has been charge off for years now this information is inaccurate please remove these from my credit report this is a violation of 15 USC 1692(c) (c) , 15 USC 1681 and 15 USC 1666b
Business response
11/01/2023
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
09/29/2023
Complaint Type:
Service or Repair 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 work night shift, I have tried paying my bill 3 different times and have been hung up on the phone by ******. Who collects payments and answers the phone for open sky credit card. Call back and she hangs up on me again. I've tried to get ahold of other people to pay my bill and always get directed to another department who only accepts voicemail.
Business response
11/01/2023
Consumer was able to reach customer service and was assisted successfully.
Initial Complaint
09/23/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
******** ****** ***** *** * ****** ** APT *** TUCSON, AZ *****. OpenSky, A Division of Capital Bank N.A. ***** ********* **** Ste *** Reston, VA **********. I am writing to dispute the accuracy of my OpenSky, A Division of Capital Bank N.A. account reporting. My personal details are as follows: Name: ******** ****** Brown Date of Birth: 09/07/1999 Social Security Number: *********** Account Number: **************** I recently observed inconsistencies in how my OpenSky account was reported on my credit history. Specifically, OpenSky, A Division of Capital Bank N.A., reported me as late for the months of June 2022 and July 2022. However, following these reports, my account was reported as having on-time payments and subsequently closed for inactivity. This representation of inaccurate information violates the law and may result in legal action against data furnishers for FCRA violations. Promptly indicate the appropriate correction by removing the inaccurate reporting of this account resulting in a complete deletion of the account in reference. This dispute is filed in accordance with the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Under Section 1681s-2(a)(1)(A), furnishers of information, such as OpenSky, A Division of Capital Bank N.A., are required by law to provide accurate information to consumer reporting agencies. Inconsistencies in reporting and the closure of an account under these circumstances are in violation of the FCRA, this why I want this account deleted. Enclosed are copies of documents supporting my current address, including a utility bill or lease agreement. Attached documents include: - ID - CREDIT REPORT IMAGE - SSN CARD - UTILITY BILL. You are legally required to respond to this dispute within 30 days of receiving it. Thank you for your immediate attention to this matter. If you require further information or documentation, please do not hesitate to contact me at 469-891-1672 or via email at *********@*****.com.
Business response
10/27/2023
October 27, 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
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 response
11/07/2023
[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
09/23/2023
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.
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. OPENSKY ACCT #: *********** BAL. $ 161.00 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Business response
11/06/2023
ID theft claim was accepted and tradeline is being removed from CRAs.
Initial Complaint
09/20/2023
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.
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
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
10/26/2023
Blocked has been removed from account and provided credit for some fees charged as a courtesy
Initial Complaint
09/20/2023
Complaint Type:
Service or Repair 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 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
10/24/2023
We determined the information reported was complete and accurate as of the date(s) we furnished it.
Initial Complaint
09/18/2023
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.
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
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.

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. ↩

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. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

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.

Cookies on BBB.org

Complaints

Additional Complaint Information

Need to file a complaint?

BBB is here to help. We'll guide you through the process.

Complaint Details

Showing all complaints

Business response

Business response

Customer response

Business response

Customer response

Business response

Business response

Customer response

Business response

Business response

Business response

Business response

Business response

Customer response

Business response

Business response

Business response

Business response

Business response

BBB Rating & Accreditation

Contact Information

Customer Complaints Summary