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OpenSky® Card Services complaints

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PO Box 9224
Old Bethpage, NY 11804 | Get Directions

(855) 763-6736

http://www.capitalbankmd.com

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Total Amount in Dispute:
$468.00

Total Amount Settled:
$0.00

Complaint Experience

67%

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Our complaint history for this company shows the company gave proper consideration to some complaints presented to them.

However, the company failed to respond to one complaint.

Complaint Closing Statistics

3 complaints against OpenSky® Card Services closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
1	Agreed to make an adjustment
0	Refusing to make an adjustment
1	Refuse to adjust, relying on terms of agreement
1	Unanswered

3 complaints against OpenSky® Card Services

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12/29/2024

RESPONSE: Complaint was not answered Amount in Dispute: $106.00 Amount Settled: $0.00

Customer Complaint

12/3/2024

I'm not reliable for this debt with opensky and opensky also sold the debt in question to another agency but still reporting in fraud on my credit report. I do not have a contract with this company. Resolution Sought If this company can not show debt validation under 15 USC 1692(g). Provide me with the original contract with my wet signature. Or the right with authorization to collect a debt. Final outcome is to cease and desist under 15 USC 1692(c) to cease all communication not limited to credit reporting.

7/25/2024

RESPONSE: Refuse to adjust, relying on terms of agreement Amount in Dispute: $62.00 Amount Settled: $0.00

Customer Complaint

3/12/2024

Its not the amount. But this predatory company needs to be reported. When I had zero credit, the only way to get established was to get a secured card. I deposited $200 maybe 10 years or longer ago. I am now an accountant and have good credit, and I would love to close this card, but they make it impossible. I used to have an auto charge and an auto pay go in and out of it just to keep activity on it, but I dont have any need for it any more and I dont want to pay the fee. Speaking of that annual fee - for a secured card - I had changed . I just got a ding on my credit because - the annual fee of $35 had not been paid, and I was charged $27 late fee. There is no way to reach a person online, and you cant close your account online, you cant even send a message. They also do not have a phone number you can call. Only have an address to write to for "disputes". Resolution Sought They need change their predatory practices, they are preying on vulnerable people who already have very few choices.

Company Response

5/16/2024

Company states; We are unable to locate an OpenSky account based on the information provided. In order for us to assist, we request that you please provide additional identifying information such as the full account number, the full name as it appears on the account including any middle initial, the last for four digits of the social security number, phone number, ect.. Once this information is received, we will be happy to assist. Sincerely, Capital Bank Customer Service

Customer Rebuttal

5/29/2024

Their only response was - card member not found...This isn't about me, or any single issue - this is about a predatory, bogus credit card company that someone needs to take a harder look at. I described in detail the way they operate and take advantage of the most desperate and vulnerable - and it's next to impossible to cancel. Any business, and I do mean ANY business, that can't provide any communication by phone or web...only physical us mail.....come on, a reminder that it's 2024...that's not.old fashioned, it's just crooked.

Company Final Response

7/24/2024

We previously responded to your concerns by letter requesting additional customer information, dated May 3, 2024. As previously advised, we are unable to locate an OpenSky account based on the information provided. In order for us to assist, we request that you please provide additional identifying information such as the full account number, the full name as it appears on the account including any middle initial, the last four digits of the social security number, phone number, etc. Once this information is received, we will be happy to assist.

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