Business Profile

Credit Cards and Plans

OpenSky, A Division of Capital Bank N.A.

Headquarters

BBB Accredited Business A Rated by BBB

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

525 total complaints in the last 3 years.
162 complaints closed in the last 12 months.

If you've experienced an issue

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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:04/22/2024
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.
On 4/21/2024 I received an update on an account ************************ that was closed out previously on 02/12/2024 with a $0 balance at the time this account was closed and validation that all dispute and on going investigation was resolved( As reported by *******) and finalized. I received an adjustment to my account on March 12, 2024 for my Credit line $2000.00 as this was a secured card, on March 24,2024 my security deposit was refunded back to me as a check made out for $1,184.00 considering I had a few transactions that were deducted from my initial deposit leaving me with the remainder balance. I contacted OpenSky on Feb 30, 2024 acquiring that everything that was in the process with this account are now final, and the Manager in the ****************** confirmed YES so we parted ways. Thats the last time I talked to OpenSky prior till yesterday on 4/21/2024 after seeing that my once closed account (thats been closed for 2 months+) had now had an outstanding balance of $1,488.00 due, I was completely in disbelief about this I contacted them and they explained that these charges came from an reinvestigation from an prior dispute, I asked why would the reinvestigate a dispute on a Closed account if we already departed ways and this account been closed for 2 months, Also before this account was closed I spoke with Many Reps and also received Documentation that the dispute was finalized and at that time it werent any opened disputes or any activities going on with the account. Not only has ********************** violated my rights as a consumer but also they have violated Regulation B and violated FCRA Laws from what they have furnished knowingly furnishing inaccurate information is a Violation of USC 1681 a)B). Moving forward with this knowing I have settled all dues and debts with this financial institution is and unlawful practice act and should be dealt with as that. I have supported documents attached as well as phone calls from the previous conversation had with Open Sky.
Business Response
Date: 05/22/2024
fraud claim denied
Customer Answer
Date: 06/05/2024
[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: 21606993

I am rejecting this response because: The matter of such conclusions should be addressed through the BBB I have already tried numerous times to get this resolved through contacting the direct furnisher however no agreement was reached between Open sky and I I have complied with all writing request and have provided proof of documentation to present the fact pattern I will need for this concern to be addressed not only with me but l will like the BBB including to make sure regulations and procedures and Laws is abided.

Regards,

***************************

Business Response
Date: 07/01/2024
No dispute was reopened. We sent a response directly to the customer in regards the credits issued.
Business Response
Date: 07/09/2024
The adjustment made to a previously closed account was a human error. This does not impact the determination made on this account of the fraud claim not being accepted since the customer confirmed the card being on his possession.
This investigation is closed. The customer is responsible for the remaining balance on the account.
Initial Complaint
Date:04/19/2024
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.
yes so I am filing this complaint in hopes that I can be in contact with this business so that they can do the right thing by removing my name and obligation of this credit card out of my name and remove it from my credit reports as this card was opened fraudulent in my name and I have repeatedly tried to reach out to this business about this and the phone agents just seemed to give me the cold shoulder and not help me out at all even after I tried to ask to speak to a supervisor on numerous occasions I honestly dont want to have to keep dealing with the stress of this drastically knocking my credit score down I would like to be able to get this resolved!!!
Business Response
Date: 05/22/2024
ID theft claim denied.
Initial Complaint
Date:04/13/2024
Type:Service or Repair 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.
Left no balance but claiming I do and overcharged me for an account that was closed and positive balance and they keep false reporting
Business Response
Date: 05/15/2024
We determined the information reported was complete and accurate as of the date(s) we furnished it.
Customer Answer
Date: 06/05/2024
[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: 21571876

I am rejecting this response because: it actually is not accurate and they know its not as good because then I requested my account to be closed, It is in the positive and I later found out you guys date when its convenient to close an account because you then want to overcharge peoples account and I refuse that to be allowed to happen so I will be seeking legal action as well as contacting the attorney general because you are not only false reporting, you are committing fraud on a closed account

Regards,

******* *****

Business Response
Date: 06/26/2024
The information that was provided was accurate. Account closed due to returned payments.
Customer Answer
Date: 06/28/2024
[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: 21571876

I am rejecting this response because: when I requested my account to be closed, it was in positive standing, and I later found out that they never actually closed my account which by them doing so racked up fees that Im not being responsible for they need to correct the problem or a lawyer will get involved

Regards,

******* *****

Business Response
Date: 07/11/2024
Account charged off and reporting accurately. Cited FCRA and final resolution language.
As we have not received any new information that supports this claim, we consider this matter resolved.
Initial Complaint
Date:04/12/2024
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.
Date: 4/7/24 Amount: $303.71 Credit Limit: $300 Website states that it can take UP TO 5 business day for balance to reflect the payment for future use of balance. ************* stated now funds take 2 business days for payment to clear then additional 5 business days for balance to clear and was told balance would be clear to use 4/12/24 by customer care rep who I spoke with Evening of 4/11/24.
Business Response
Date: 04/30/2024
Account closed per customer request and refund processed.
Initial Complaint
Date:04/11/2024
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 had a open sky Cc. I put in the info to make payment on my new bank but the payment defaulted back to my froze account. I called and was willing to make the payment in full with the correct account. I asked for the return fee to be waived and was told no. So I canceled the card. I have had this card for yrs and the credit limit has never went up. I don't think I have ever been late on this card. I don't call much. But I am just one customer. And I understand your company does not care about the customers
Business Response
Date: 05/15/2024
Fees charged were waived and account closed per customer's request
Initial Complaint
Date:04/11/2024
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.
Company name: OPENSKY CBNK Account #: ****************Date opened: 01/23/2019 Balance:$104.00 As per the **** as a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbally, non-verbally per 15 USC 6802. This account is listed as a charge off which is a certificate of indebtedness. I am sure OPENSKY CBNK has filed a 1099C. Income can't be reported on a consumer report. My privacy was violated as per the Privacy Act 1974. This account needs to be removed from my consumer report. Privacy Act of 1974 (5 U.S. Code 552a) Any and all consent to Equifax, Experian, Transunion whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 (b)(c) states that "A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option." You Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C (a)(5) states" Except as authorized under subsection (b), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years." This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 (A)(1) A states "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. Pursuant to 12 CFR ****** Purpose and scope. ? (a) Purpose. This part governs the treatment of nonpublic personal information. about consumers by the financial institutions listed in paragraph (b) of this section. This part: (1) Requires a financial institution to provide notice to customers about its privacy policies and practices; (2) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties; and (3) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in ******3, ******4, and ******5.
Business Response
Date: 06/18/2024
We determined the information reported was complete and accurate as of the date(s) we furnished it.
Initial Complaint
Date:04/11/2024
Type:Product 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 put a $500 deposit down to open a credit card with Open Sky Credit...I was a great customer and always made all payments on time. When I closed my account in 12/2023, they were required to refund my initial $500 deposit to me. They told me on the phone that they would issue refund, the check never showed. I called to inquire and the person who answered the phone immediately said that it must be lost and that it would take weeks to put a stop payment on the missing check and then 8 more weeks to re-send me the refund. I then never received the REPLACEMENT check that they claimed to have sent and again, said it must be lost and that they have no way to track it. Again, said it would be many weeks to stop payment and re-send check. They are holding onto my money illegaly. I still have not received the deposit. It feels like a scam, but apparently, it is a real bank.
Business Response
Date: 05/14/2024
Advised customer that account and customer confirmed the receipt of the check.
Customer Answer
Date: 06/03/2024
[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:04/10/2024
Type:Service or Repair 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 power of attorney for son *********************** incarcerated in kittann***, Opensky card owes him300$. I paid balance and faxed POA to them. It has taken weeks and weeks to get the check mailed to me, ***************** (mother). They keep say *** must close the account first , so I do let them and call back in a few weeks and I am told the same th*** over and over again. Please help
Business Response
Date: 05/22/2024
The account is closed and refund check has been processed.
Business Response
Date: 05/22/2024
Account closed and refund processed.
Initial Complaint
Date:04/10/2024
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.
Hello I am writing a forgiveness request for my missed payment for the month of March 2024. I was hospitalized with need for anesthesia treatment and was unable to make an on timely payment during that time. I am asking that you guys accept my recent payment and change my credit reporting status to ON TIME with no missed payments as I have been making on timely payments prior to my hospitalization. Thank you and I assure I will not make any more late payments as I enjoy using OpenSky credit card services. Thank you
Business Response
Date: 05/13/2024
We determined the information reported was complete and accurate as of the date(s) we furnished it.
Initial Complaint
Date:04/06/2024
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 November, I paid down my balance as it had exceeded its credit limit(I specifically paid $537.53 on 11/07) and noticed unrecognized charges. By December, without using the card at all, the balance limit was exceeded again with charges I didn't recognize. So I decided to freeze the card.I then searched through the Mobile App that I use to handle my bills with this card. The only resource available to customers in the Mobile App is an address that you can write a letter to:OpenSky ************* PO Box 9224. *************************** I wrote a letter to this address detailing my situation and never received a response.I tried calling customer service at the time as well, but kept getting put on hold for large amounts of time. I work full time and attend college full time, making it difficult to commit up to 3 hours on hold.Then finally a couple weeks ago on March 24th, I found time to get a hold of customer service. They tried connecting me to the department that handles fraud(number not available anywhere on the Mobile Application). We waited on hold together for almost an hour, before he decided he'd reach back out to me after hearing from them which took more than a day.When I received a call back, I was told that they could not do anything about the fraudulent charges, because my account apparently closed on March 13th. I asked how I was supposed to know the account had been closed, or was in risk of being closed, and I was told that they sent me a letter which I never received.However, I do have emails as late as March 26th, saying my account is still available which contradicts the claims made by phone.I also made 2 prior payments to statements containing fraudulent charges. $87.18 on 09/14 and 10/03.Asking for:-the $711.89 I paid for fraudulent charges to be refunded.-the current balance of $707.52 to be handled as fraudulent and removed from my account.-correction to my credit report which was negatively impacted by these events.
Business Response
Date: 05/13/2024
Advised payment received, balance at zero, additional transactions posted, no additional payments received, account reported past due.
Customer Answer
Date: 06/05/2024
[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: 21540385

I am rejecting this response because:
I received a letter from OpenSky of them acknowledging mistakes made on their end in their failure to protect their customer from fraud. They mentioned that tapes of my phone conversation will be used to help train future employees as it is an example of what NOT to do. However, the letter does not meet any of my requests, not even half way.
Given that my experience with OpenSky on the phone has been poor at best, and is what led me to require assistance from BBB, I would rather all forms of communication involve BBB as the third party to witness any other attempts at foul play from any parties at OpenSky.
In response to the credit report marks, they claim that it needs to be "honest", but honest would be acknowledging that the late fee would never exist without their mistake. There should at least be an attempt to go back and note the extra context to the situation if my credit score is truly meant to be penalized for their error.
The letter then asked me to detail which charges were fraudulent and that they would "look into it". But no promises were made about what "looking into it" would entail, and what I'd be responsible for once the charges were proven fraudulent. Another issue here is, I've already detailed in this complaint's original message and over the phone that the charges I am reffering to are the entire month's worth of charges prior to me locking the account, the entire month. I can date some of these reocurring fraudulent charges back multiple months as well. If I add all the charges, including charges I didn't see before filing my complaint, the total fraudulent charges greatly surpass the original amount I requested as a resolution to begin with.

Requests:
-Refund for amounts already paid ---not met - not even addressed
-Credit score marks -- not met
-Absolve current balance --- not met

Regards,

*********************************

Customer Answer
Date: 07/10/2024
Here is the letter sent which provides admission of failure to handle my fraud report. Apologies for the delay, thank you.
Business Response
Date: 07/29/2024
Balanced waived but reporting is accurate.

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OpenSky, A Division of Capital Bank N.A. is BBB Accredited.