OpenSky, A Division of Capital Bank N.A.

Dear Sir or Madam:We are responding to the complaint from our OpenSky Secured ***® Card customer [redacted] .In order to comply with the Graham, Leach, Bliley Act (GLBA), Capital Bank, N.Ahas contacted theconsumer directly and a letter was mailed to the customer today.Our bank has requested that Ms [redacted] contact the Revdex.com, directly, in response toour findingsPlease contact us as soon as you may hearfrom the consumer, or, within days of receiptof this letter to update us on your records.Should you have any additional questions, please contact our Customer Service Department at [redacted] .Sincerely,Capital BankCustomer Service

Hello, we are still researching the claim I am awaiting specific details from our processor that I expect to have tomorrow, Tuesday, August 8,

They miss represent their productsFraud Specifically I bought sheets described as bamboo, but was sent microfiberAfter 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

I am responding to the complaint from our Open Sky® Secured Card customer [redacted] , on behalf of Capital Bank, N.AIn order to comply with the Graham, Leach, Bliley Act (GLBA), Capital Bank, N.Ahas contacted the consumer directly in response to her complaint.Capital Bank has responded directly to [redacted] 's concerns via email and letter formOur bank has requested that she contact the Revdex.com, directly, in response to our explanationPlease contact us as soon as you may hear from the consumer, or within 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 [redacted] Customer Care Director OpenSky®, a division of Capital Bank, NA Office [redacted]

RE: [redacted] ID # [redacted] I am responding to the complaint from our Open Sky® Secured Card customer Stacy Carlson-Huxford, 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 and a letter was sent to the customer today via email. Our bank has requested that [redacted] contact the RevDex.com, directly, in response to our 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 ###-###-#### or via email at [redacted] @capitalbankmd.com. Sincerely, /s/ Jeanine R [redacted] Customer Service Lead OpenSky® Card Tell us why here...

[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.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I finally received my deposit November 30, After waiting almost months longer then they originally promised it was sent outNo interest for holding my money for years or late fees gor the extra months it took themBut im happy I have my money and I learned a valuable lessonThanks for your help Regards, [redacted] ***

[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.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

January 26, Revdex.com of Metro Washington DC and Eastern Pennsylvania John FKennedy Blvd., Suite Philadelphia, PA RE: [redacted] ID # [redacted] I am responding to the complaint from our OpenSky® 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.Ahas contacted the consumer directly and a letter was sent to the customer today via email Our bank has requested that [redacted] contact the Revdex.com, directly, in response to our resolution Please contact us as soon as you may hear from the consumer, or, within 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 Sincerely, /s/ Jeanine R [redacted] OpenSky Card Tell us why here

We are responding to the complaint from our OpenSky Secured ***® Card customer [redacted] ***

November 17, Revdex.com of Metro Washington DC and Eastern Pennsylvania John FKennedy Blvd., Suite Philadelphia, PA RE: [redacted] ID # [redacted] I am responding to the complaint from our OpenSky Secured ***® Credit Card customer [redacted] ***, on behalf of Capital Bank, N.A We are actively reviewing Mr***’s complaint and require additional time to complete our research Should you have any additional questions, please contact me directly at ###-###-#### or via email at [redacted] Sincerely, /s/ Jeanine R [redacted] Customer Service Lead OpenSky® Card

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: Negative Credit History not deletedI was asked for proof of payment well that is not possible, I have no proof of payment because Open Sky never sent a receipt that I paidFurthermore I have multiple C/O for the CC accounts that are the SAME account! If both aren't deleted of should be deleted because it violates FCRA
Regards,
*** ***

July 24, 2014To Whom It May Concern,I am responding to the complaint from our Open Sky" Secured Card customer *** ***, 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 also asked *** *** to contact the Revdex.com, directly, in response to Capital Bank’s resolutionPlease contact us as soon as you may hear from the consumer, or within 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 ***Regards,Bonnie *Y*** Customer Care Director Open Sky" Card

RE: *** ***Revdex.com Case ID ***Dear Sir or Madam:We are responding to the complaint from our *** *** *** *** customer *** ***.In order to comply with the Graham, Leach, Bliley Act (GLBA)* *** *** *** has contacted theconsumer directly and a letter was mailed to the
customer today.Our bank has requested that *** *** contact the Revdex.com, directly, in response toour findingsPlease contact us as soon as you may hearfrom the consumer, or, within days of receiptof this letter to update us on your records.Should you have any additional questions, please contact our Customer Service Department at ***Sincerely,

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is not satisfactory for me but I will accept it because I do not wish to waste anymore time on this matter with thievesYou stole money and I am well aware of how automatic payments workYou took two different payments out of my account in less than hours and still have not refunded me the money but I am supposed to receive the $back and hope I do not have to contact Revdex.com again to receive that money. I wish to never be bothered with your company or your thieving nonsense ever again and will encourage family and friends to find a more suitable credit card that does not pilfer money twice from accounts and not refund THEIR mistakeI would encourage others to read the reviews online and if I would have done the same this problem would have never occurred there is a reason why they have negative reviews across the board and I suggest people take heed to those warnings about this shady company and their shady business practices
*** ***

December 16, To Whom It May Concern,
I am responding to the complaint from our Open Sky" Secured Card customer *** ***, 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 *** *** to contact the Revdex.com, directly, in response to Capital Bank's resolutionPlease contact us as soon as you may hear from the consumer, or within 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 ***.Regards,Bonnie YCustomer Care Director

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:I have received no emails or calls from this company I am emailing them now and CC'ing the Revdex.com, although I only know the info [no reply] email address
Regards,
Justin R***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:Date: Tue, Aug 8, at 1:AMSubject: Re: Complaint #***To: *** *** Hello ***,I apologize for the delay I work long hours, and I'm not sure this it's even worth the effort or energy anymore I will give one last effort...I am sending you everything I have from Open Sky I have responded to every message they have sent I still have not received the $deposit, or any communication from them lately I have reached out to an attorney, but it will cost more than I can afford to take this any further If I had the financial resources I would go the distance, but unfortunately I don't The only guarantee is to get the deposit back The bank appears to have a fear of you and the Revdex.com, so I hope for the best. I have converted emails to pdf for your review Appreciate any help you can provide.Kind regards,Andrew *M***

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

*** *** ***
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** * *** I am responding to the complaint from our *** *** *** *** *** *** *** ** *** ** *** *** ***
In order to comply with the *** *** *** *** *** *** *** *** has contacted the consumer directly and a letter was sent to the customer today via email Our bank has requested that *** *** contact the Revdex.com, directly, in response to our resolution. Please contact us as soon as you may hear from the consumer, or, within days of receipt of this letter to update us on your records Should you have any additional questions, please contact me directly at *** ** *** *** ** *** Sincerely, /s/ Jeanine R***
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*** ** *** ***

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution
is satisfactory to me.
Regards,
*** ***