OpenSky, A Division of Capital Bank N.A.

[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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Complaint: ***
I am rejecting this response because: Below is a copy of the email dated Jan 17, 2017.First, why is OpenSky responding directly to me, when they should be contacting Revdex.com directly regarding this complaint?Second, Capital Bank/OpenSky still has not responded to my request that they provide me with a letter indicating that it was their error in the original credit report notification, regarding the March payment that I made. Third, Capital Bank/OpenSky still has not notified all credit reporting agencies indicating that they were in error for the past due report! the negative past due rating still appears on my credit report.As a result of their reporting error, my credit score dropped plus points and this has had a drastic effect with all future lenders.When I opened this account, I complied with all of the Terms and Conditions of Capital Bank/OpenSky, however, they has ruined my positive rating.I will await days for all of my requests to be madeAfter that I will escalate this matter.I await your response.*** *** *** *** *** *** San Jose, CA ***###-###-####

Revdex.com:
I have no issue working directly with the Revdex.comI have not received a letter as of yetAnd I checked my credit report this morning and have not seen any changes.
Regards,
*** ***

[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. My issue was resolvedThank you
Regards,
*** ***

We responded directly to our cardholder

[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,
*** ***

I have been contacted by OpenSky and am satisfied with the outcomeThey have refunded me the full amount I was owed and have closed the account
Thank you for your involvement in this matterI feel that the Revdex.com has helped a great deal
Regards,
***

[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:
I am
requesting validation, made pursuant to the Fair Debt Collection Practices Act
Please note that I am requesting “validation”; that is competent evidence
bearing my signature, showing that I have (or ever had) some contractual
obligation to pay you
Please also
be aware that any negative mark found on my credit reports (including ***,
*** and ***) from your company or any company that you represent,
for a debt that I don’t owe, is a violation of the Fair Debt Collection
Practices Act; therefore, if you cannot
validate the debt, you must request that all credit reporting agencies delete
the entry
Regards,
*** ***

June 23, 2015To 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, N.Ahas contacted the consumer directly in response to her complaintCapital Bank has responded directly to *** ***'s concerns via email and also in letter formOur bank has requested that he 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 ###-###-#### or via email at ***@capitalbankmd.com.Regards,Bonnie YCustomer Care Director

September 22, To Whom It May Concern,I am responding to the complaint from our OpenSky 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 complaintCapital 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 recordsShould you have any additional questions, please contact me directly at ###-###-#### or via email at ***.Regards,
Bonnie Y
Customer Care Director OpenSky Card

RE: *** ***ID # ***We are responding to the complaint from our OpenSky Secured ***@ Card customer *** ***, on behalf of Capital Bank, N.A.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 *** *** contact the Revdex.com, directly, in response to our 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 our Customer Service Department at ###-###-####

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,
*** ***

[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:I have asked open sky to refund my deposit of I am not satisfied with their servicesI need a refund, They have not been a good companyRegards,*** ***

Hello, we responded directly to our cardholder. thanks

[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.
It appears that the information has been removed from my credit report at this timeHopefully my credit score will fully recover, it is still about points lower than before all this happened
Regards,
*** ***

Thank you
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,
*** ***

[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,
*** ***

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,
*** ***

The funds have been returned.Thank you for your help!

[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:
Regards,
*** ***once again no money received !!!!!!!!!!!!! they have stole my money and it seems the Revdex.com that is you have done nothing about it ,other than type a few emails , what a waste of time and money !!! todays date is now 11/10/