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 Local Branches.

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  OpenSky, A Division of Capital Bank N.A.

  10700 Parkridge Blvd Ste 180 Reston, VA 20191-5429

  
• 

  OpenSky, A Division of Capital Bank N.A.

  1900 Campus Commons Dr Ste 130 Reston, VA 20191-1530

  

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.

• Initial Complaint

  Date:06/21/2025

  Type:Billing Issues
  Status:

  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 filed for bankruptcy and received a discharge on June 17, 2020. After that discharge, I opened a secured credit card with OpenSky in good faith to rebuild my credit. I responsibly used the card, maintained payments, and closed the account approximately one year later due to the annual fee.However, upon recently reviewing my Equifax credit report, I noticed that OpenSky is reporting the account as discharged in bankruptcy. This is inaccurate and misleading. The account did not exist at the time of my bankruptcy filing or discharge and therefore could not have been included or discharged as part of that bankruptcy.I have attempted to dispute this error with the credit bureau, but the inaccurate information remains. This false reporting may harm my credit standing and misrepresent my financial history.I am requesting that OpenSky correct this error by updating the account status with Equifax to reflect the accurate timeline that the account was opened and closed after my bankruptcy discharge and was not included in the bankruptcy.Please investigate this matter and ensure the appropriate corrections are made.

  Business Response

  Date: 07/10/2025

  *** submitted to request that all agencies match our records.

  Customer Answer

  Date: 07/15/2025

  [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:05/30/2025

  Type:Service or Repair Issues
  Status:

  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 here to file complaint against opensky for not reimbursing $115.88 charge back on my credit card on may 17th 2025 i bought a 105cc gas 3.5 hp mini bike on a site i found out it was a scam i never got what i ordered i was scammed out of $115.88 the tracking was false by the shipper i never got my package the **** check it out and said it was a scam so i want my money reimbursed back on my credit card

  Business Response

  Date: 06/10/2025

  Sent a letter to the customer advising provisional credit is not required for non-fraud dispute

  Customer Answer

  Date: 06/27/2025

  [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:05/15/2025

  Type:Billing Issues
  Status:

  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 been deathly ill and was great on my account until I started to get worse about 6 1/2 months ago. I fell ill. I did have open sky wave late fee in April but they did c*** to help me. I have a savings account with them yet they are being ruthless. I want it be known the government allows this criminal activity and it's wrong. Good people have stuff happen but they c*** on us. They are inflating way above what they are supposed to do. I will pay my payment due but I want my finance charges adjusted and late fees. I was always happy with my account before this happened to me. I would like to keep my account but this is insane. My large credit card company's don't do this to me just wrong !!

  Business Response

  Date: 05/30/2025

  Account closed per notification of attorney representation. Advised contact regarding financial hardship.

• Initial Complaint

  Date:05/13/2025

  Type:Billing Issues
  Status:

  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.

  According to Open Sky, I attempted to make a payment on May 5th of 2025, and it returned as insufficient funds on May 6th. However, this was due to banking error. I have record evidence that a payment was set on May 6th and cleared May 7th on my bank account. It also shows the payment went through on Open Sky payment history. I talked to 4 call center employees of Open Sky on May 13th at 8:00AM. Two of them hung up the call, one told me I have to wait for the next payment set on May 16th to clear, and they can waive the fee, the fourth person told me there was nothing they could do. I am demanding the fee be waived as a good will courtesy, or I will have to close my account promptly and get my security deposit back

  Business Response

  Date: 05/30/2025

  
  Returned check fee waived as courtesy.
  

  Customer Answer

  Date: 06/03/2025

  [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:05/13/2025

  Type:Product Issues
  Status:

  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.

  Over one month ago I sent Open Sky $500 off of my credit card to open a secured credit card with them. A few hours later the mail ran I received an approved offer from them for a credit card with no $500 deposit for Security. So on the same day, I called Open Sky and canceled my application for the second card with them and explain the situation to them and was originally told it would just be put back on card. Its very important to know that I am totally permanently disabled. I live off a very small disability check and need my money in bad way. All of this was explained to Open Sky and it is now going on five weeks later and I still do not have my $500 deposit every week they tell me it will be another week. I find it very hard to believethat Open Sky cannot refund $500 to a person that is in great need for it because they are in financial straits as they claim that it takes them up to 8 to 10 weeks to issue a refund I live in ******* and Georgia state law says that a business must refund your money within 7 to 10 business days. Well its pretty easy to see where we are many many times overthat and still as of today and tomorrows mail thats coming. There is still no money from Open Sky( week number five ) because now they have insisted on sending a check Rather than just putting the money back on the original card as they had originally told me they would and as I had originally asked them to do. This bank and credit card company is too big to have to jerk a man like myself who is dying around over $500 for according to what they say will be two months or longer before I get my money back Im sorry, but that is ridiculous. I am now officially late on my rent and my truck payment and will have to pay approximately $100 in late fees because Open Sky cannot do business in a honorable and thoughtful way. And dont even get me started on how rude the customer service agents are when you try to ask them to help you get your money back.

  Business Response

  Date: 05/30/2025

  No record of unprofessional behavior or agent advising direct refund to funding card. Refund check cashed.

• Initial Complaint

  Date:05/11/2025

  Type:Billing Issues
  Status:

  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 card was stolen and used in unauthorized charges I called reported it they told me they would refund it fully then they reported me 30 days late they keep willfully non complying with my dispute which I filed with a ftc affidavit I have not used my open sky card in a year I have never recieved a new one so Im locked out of the online account it was frozen until I get the new card in the mail to access online there was annual fee due this year since I dont have card/account number i couldnt access online to pay so I had to pay over the phone which is a ************************************************************************************************************************ access to the account wake up to a 30 day late period and a late fee for a fee that occurred for making over the phone payment for annual fee and I still never recieved card. So in result I have 2 late payments unfair and unethical on my report causing damages. Violating my fcra rights and also they are violating usc 15 ************************************************************************************* potential fraud, unauthorized transactions, claims, or other liability

  Business Response

  Date: 05/23/2025

  Sent a letter to the customer advising fees waived as courtesy and delinquencies removed due to fraud

• Initial Complaint

  Date:04/29/2025

  Type:Billing Issues
  Status:

  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.

  In 2023, I opened a fully secured credit card account with **********************/Capital Bank N.A., which was unjustly closed while I was hospitalized for over 6 months due to a life-threatening medical emergency. Despite being in good standing, they closed the account without notice, then reported it negatively to all three credit bureaus, harming my credit during recovery.On Nov 7, 2023, I mailed a formal Notice and Demand via Certified Mail #****-0710-5270-0943-3368-43, requesting validation and resolution. They ignored it. I filed BBB Complaint #******** in Dec 2023. Again, no cure.From June 2024 to March 2025, I sent at least six more certified notices, including: Affidavit of Default, Opportunity to Cure, and Notice of Fault. OpenSky never responded. I possess **** green card receipts proving delivery.Their silence is deemed commercial dishonor. Their actions constitute defamation, fraud, and breach of contract under ****, ****, and UCC 1-308.I now demand that OpenSky IMMEDIATELY remove all derogatory data from Equifax, Experian, and **********, send me a signed affidavit of correction, and compensate for damage caused.If unresolved within 10 days, I will file a $1M lien and escalate to federal agencies. I seek full remedy and resolution now.Certified Mail #****-0710-5270-0405-9948-64

  Business Response

  Date: 05/21/2025

   Accounts are reporting accurately.

• Initial Complaint

  Date:04/29/2025

  Type:Billing Issues
  Status:

  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.

  Was notified by a credit monitoring agency that I had a delinquent payment on an Open Sky Credit Card account which I have not used in months. I tried to log on to my account online and my credentials were denied. I called the company on January 19th and was notified that there was a balance of $4,400+ on an account that had a $500 credit limit. The person on the phone was very short with me, but asked me if I called to change personal information and if I had requested a new card to be issued, which I replied to no. They asked if I made purchases or withdrawals in ********, which I responded "No". They asked if I made any payments at a facility containing the name "*******************" which i responded "No". I advised the company I have been in ************** and made no purchases, nor did I request a change in my personal information and that fraud had been committed on my account. I questioned how it is possible an account with a $500 credit limit could be allowed to have a $4,400+ balance and the representative would not comment and simply stated my account would be closed and an explanation would be mailed to me. I received multiple late payment notifications, and a letter that my account was closed. No mention about my dispute of charges.I then mailed a certified letter to put in writing that I was disputing the charges mentioned during the phone call. My account should have had a zero balance as I have not used the card previously in months. I have confirmation that they received my letter. Since they allowed someone to call and change my account information I requested billing statements that show charges out of state. No acknowledgement of my fraud has been presented, a clear violation of the ****. Some charges have been credited but credit reports of delinquent payments along with a balance remain. I have received no update regarding the fraud investigation. A police report has been filed, legal actions may ensue.

  Business Response

  Date: 05/20/2025

   Account is closed with zero balance, FCRA language and we have asked the **** to remove delinquencies that were reported.

• Initial Complaint

  Date:04/29/2025

  Type:Billing Issues
  Status:

  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 paid my account with Open Sky IN FULL over seven weeks ago and they have NOT reported it paid to ********** as required by law. It still shows that I am using 110% of my total credit limit, which made my score go down. I paid IN FULL SEVEN WEEKS AGO but yet they still have not reported it as paid. This should NOT be allowed to happen. I want my ********** report updated IMMEDIATELY. THIS IS UNACCEPTABLE.

  Business Response

  Date: 05/12/2025

  Sent a letter to the customer advising payment history, account information, and cited FCRA. 

• Initial Complaint

  Date:04/24/2025

  Type:Sales and Advertising Issues
  Status:

  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 applied for a secured card (regrettably) in August. I never used the card because 1) I never received it in the mail 2) I no longer had use for it. Months later I reviewed my credit report and found i had a derogatory remark from OpenSky for this account, with an overdue balance of $132, despite never using it for anything. Furthermore, without the card I cannot even login online to OpenSky to see my account nor do anything with it! I called customer service and explained the situation, they were able to see I hadn't used nor activated the card and assured me that they would "re-age" the account to erase the debt and send me a new card. Despite this, I still have not received a card, nor has the derogatory remark been removed from my report. Owing a balance of $132 for a card I never even used, and never even received, is absolutely ridiculous. I intend to seek legal counsel to contest this if this isn't resolved in a timely manner because the circumstances of this situation must surely be contravening the law.

  Business Response

  Date: 05/05/2025

  Sent a letter to customer advised that cards have been issued and none have been returned/activated. Advised the customer to call for assistance.