OpenSky, A Division of Capital Bank N.A.

From: Customer Care<[email protected]>Date: Fri, Mar 6, 2015 at 3:10 PMSubject: [[redacted]] OpenSky® Secured Credit CardTo: [redacted]@myRevdex.com.org
Revdex.com of
Metro Washington DC and Eastern Pennsylvania
1880 John F. Kennedy Boulevard, Suite 1330
Philadelphia, Pennsylvania  19103
RE:       [redacted]
            ID # [redacted]
          
To Whom It May Concern,
I am responding to the complaint from our Open Sky® Secured Card customer [redacted], on behalf of [redacted].
In order to comply with the Graham, Leach, Bliley Act (GLBA), Capital Bank has contacted the consumer directly in response to his complaint.
Capital Bank has attempted, again, to resolve [redacted]’s concerns.  We have requested that [redacted] express his satisfaction with our service and resolution by contacting your offices, directly.  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.
Should you have any additional questions, please contact me directly at ###-###-#### or via email at [redacted]@capitalbankmd.com.
Regards,
/B/
Bonnie * Y[redacted]
Customer Care Director
Open Sky® Card
Sincerely, Bonnie Y. OpenSky Customer Care OpenSky Applicants: [redacted]-OPEN ([redacted])Current Cardholders: ###-###-####FAX: ###-###-####

To Whom It May Concern,I am responding on behalf of Capital Bank, N.A. to the follow up complaint from our Open Sky" Secured Card customer [redacted]. -In order to comply with the Graham, Leach, Bliley Act (GLBA), Capital Bank has contacted the consumer directly in response to his complaint. --My attempts to speak with Mr. [redacted] have been unsuccessful. An email was sent to Mr. [redacted] at the confirmed email address we have on file. We have requested that he notify the Revdex.com if he is satisfied with this latest resolution.Should you have any additional questions, please contact me directly at [redacted] or via email at [redacted].Regards,Bonnie L. Y[redacted] Customer Care Director Open Sky" Card

To Whom It May Concern, I am responding to the complaint from our Open Sky® Secured Card customer [redacted]...

[redacted], 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 in response to her complaint. Capital Bank has responded directly to Mr. [redacted]’s concerns via email. Our bank has requested that she contact the Revdex.com, directly, in response to our explanation. 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. Should you have any additional questions, please contact me directly at ###-###-#### or via email at [redacted]. Regards, /B/ Bonnie L Y[redacted] Customer Care Director Open Sky® Card

April 18, 2014
To Whom It May Concern,I am responding to the complaint from our Open Sky* Secured Card customer [redacted], on behalf of Capital Bank, N.A.In order to comply with the Graham, Leach, Bliley Act (GLBA), Capital Bank has contacted the consumer directly...

in response to her complaint.Capital Bank has also asked **. [redacted] to contact the Revdex.com, directly, response to Capital Bank's resolution. 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.Should you have any additional questions, please contact me directly at [redacted] or via email at [redacted].Regards,

June 3, 2015
 
To Whom It May...

Concern,
 
I am responding to the complaint from our Open Sky Secured Card customer [redacted], 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 in response to his complaint.
Capital Bank has responded directly to [redacted] concerns via email. Our bank has requested that he contact the Revdex.com, directly, in response to our explanation. 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.
 
Should you have any additional questions, please contact me directly at ###-###-#### or via email at
[redacted]@capitalbankmd.com.
 
Regards,
 
Bonnie Y[redacted]
Customer Care Director
OpenSky®, a division of Capital Bank, NA
Office     ¦###-###-####

They miss represent their products. Fraud. Specifically I bought sheets described as bamboo, but was sent microfiber. After over a week of me sending emails including a picture and waiting several days for each response they said that the sheets were bamboo just"mislabeled.

May 14, 2015To Whom It May Concern,
I am responding to the complaint from our Open Sky Secured Card customer [redacted], 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 in response to her complaint.
Capital Bank has responded directly to [redacted]'s concerns via email and also in letter form. Our bank has requested that she contact the Revdex.com, directly, in response to our explanation. 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.
Should you have any additional questions, please contact me directly at ###-###-#### or via email at [redacted]@ capitalbankmd.com.
Regards,Bonnie Y Customer Care Director

I have had a cc with OpenSky for less than a year. I used my card for a gas purchase at a local grocery store and to my surprise later that afternoon, my cc had been used at 2 of the chain grocery stores in another city on the same day! This was during Thanksgiving week so I immediately alerted OpenSky customer service. They emailed me a form which looked like it was from the 70's to complete and fax back. I did all of that and monitored my OpenSky account weekly to see if the charges had been reversed. Not! It's not January very close to February and after calling today, the agent said that it would take 30 to 90 days before I would see resolution. 90 days for fraudulent charges?!!! That is was Visa's rule. I HAVE NEVER EVER HEARD OF SUCH A THING! Most legitimate companies/banks return your money while they are doing their investigations and IF they find that the fraud is non-existent they recharge you. In the meantime, I'm carrying a balance that DOES not belong to me and on my credit files. As soon as I can get my money returned, I'M closing this card. What a joke which is on me for not doing my homework on this company. Buyer BEWARE!!!

November 20, 2014To Whom It May Concern,
I am responding to the complaint from our Open Sky tm Secured Card customer [redacted], on behalf of Capital Bank, N.A.In order to comply...

with the Graham, Leach, Bliley Act (GLBA), Capital Bank has contacted the consumer directly in response to his complaint.
Capital Bank has asked [redacted] to contact the Revdex.com, directly, in response to Capital Bank's resolution. 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.Should you have any additional questions, please contact me directly at [redacted] or via email at [redacted]@capitalbankmd.com.
Regards,
Bonnie Y
Customer Care Director Open Sky tm Card

From: Revdex.com of Metro Washington DC<[redacted]>Date: Mon, Jun 15, 2015 at 10:11 AMSubject: Fwd: [redacted]] Open Sky(R) CardTo: [redacted] <[redacted]>
---------- Forwarded message ----------From: [redacted] <[redacted]>Date: Sun, Jun 14, 2015 at 3:39 AMSubject: Fwd: [redacted]] Open Sky® CardTo: "[redacted]" <[redacted]>
Claim #[redacted]
Sent from my [redacted]
Begin forwarded message:
From: [redacted] <[redacted]>Date: June 14, 2015 at 3:38:12 AM EDTTo: Customer Care <[redacted]>Subject: Re: [redacted]] Open Sky® Card
Hello, 
I advised the representative that it was thought to be a reputable business, but it was NOT.
That is when the representative advised me it was my responsibility to get in touch with them. They were under investigation for fraudulent practices and never honored my appointment and was unavailable for comment.  The representative made a comment about not being "[redacted]" and saying its on me. See attached:
I have also included a screenshot of me trying to make a payment. You can zoom in on the lower right for a timestamp. 
Sent from my iPhone
On May 29, 2015, at 2:13 PM, Customer Care <[redacted]> wrote:
Account Number Ending in:  2023
Dear Ms. [redacted],
I recently responded to a complaint received by the Revdex.com (Revdex.com) regarding your account.
I reviewed your account and our records indicate that you spoke with one of our customer service representatives on 10/28/2014 regarding a billing dispute. During that call you indicated to us that you were familiar with the merchant; our notes indicate that you described the charge as a payment in advance of a doctor’s appointment. Based on your description this transaction would not have been considered a fraudulent transaction. We recommended that you first make an attempt to resolve the charge directly with the merchant.  Our records indicate that you did not contact us any further to dispute this transaction.
I am not aware of Internet problems during the time you indicate you attempted to make a payment; however, as a courtesy the $20.00 late fee has been credited back to your account.
We’re happy to consider a credit limit increase on your account.  All credit line increases are subject to underwriting approval.  Please provide the following information and note that an additional security deposit for the amount of the increase will be required.
The last 4 digits of your card number
Your monthly income
Your monthly expenses
The requested increase amount
If you are unsatisfied with this explanation, please notify us.  If you are satisfied with this explanation, would you please notify the Revdex.com of the response? If I can be of any further assistance, please contact me directly at ###-###-####.
Sincerely,
/s/ Bonnie Y[redacted]
Customer Care Director
Sincerely,Bonnie Y.OpenSky Customer CareOpenSkyCustomer Care Representative
Applicants?[redacted])
Cardholders?###-###-####

From: Customer Care
arial, sans-serif;"><[redacted]>Date: Wed, Jul 15, 2015 at 10:54 AMSubject: [[redacted]] Open Sky® CardTo: [redacted]
RE:       [redacted]
             ID # [redacted]
          
To Whom It May Concern,
I am responding to the complaint from our Open Sky® Secured Card customer [redacted], 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 in response to his complaint.
Capital Bank has responded directly to Mr. [redacted]’s via telephone on July 14, 2015 and by email.  Our bank has requested that he contact the Revdex.com, directly, in response to our explanation.  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.
Should you have any additional questions, please contact me directly at ###-###-#### or via email at [redacted].
Regards,
/s/
Jeanine R[redacted]
Customer Care Team Lead
Open Sky® Card
Sincerely,Bonnie Y.OpenSky Customer CareOpenSkyCustomer Care Representative
Applicants?[redacted])
Cardholders?###-###-####

To Whom It May Concern,I am responding to the complaint from our Open Sky" Secured Card customer [redacted], on behalf of [redacted], N.A.In order to comply with the Graham, Leach, Bliley Act (GLBA), [redacted] has contacted the consumer directly in response to his...

complaint.[redacted] was able to resolve Mr. [redacted] concerns and he indicated he will contact the Revdex.com, directly, in response to [redacted]'s resolution. Please contact us as Soon as you may hear from the consumer, or within 30 days of receipt of this letter to updateus on your records.Should you have any additional questions, please contact me directly at ###-###-#### or via email at [redacted].Regards,Bonnie L. Y[redacted]Customer Care Director Open Sky" Card