OpenSky, A Division of Capital Bank N.A.

I am responding to the complaint from our Church Street Mortgage (CSM) mortgage loan customer *** ** ** ***, Jr., on behalf of Capital Bank, N.AIn order to comply with the Graham, Leach, Bliley Act (GMLA), Capital Bank, NA has contacted the consumer directly in
response to his complaint.Capital Bank, NA has responded directly to Mr** ** *** via telephone on August 3, A follow up letter, confirming the pending resolution of this matter, has also been sent to the borrowerWe included all of the supporting documents that the borrower signed at loan closingThese documents indicated clearly that his initial mortgage payment was due and payable to Capital Bank, N.AWe have requested that he contact the Revdex.com, directly, in response to our proposed 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 ***.Sincerely,Lisa T***SVPChurch Street Mortgage

I would like to inform you that complaint #*** was resolved by Openskycc The funds sent were applied to my new account Thank you very much for your assistance

[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:
Letter has yet to be received resolving this matter.
Regards,
*** ***

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 attempted to contact 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 [email protected],Jeanine R[redacted]Customer Service LeadOpenSky Card

November 28, 2017Revdex.com of Metro Washington DC and Eastern Pennsylvania 1411 K Street, NW, 10th Floor Washington DC, 2005-3404RE: [redacted]Revdex.com Case ID #[redacted]Dear Sir or Madam:We are responding to the complaint from our OpenSky Secured [redacted]® Card customer Eleanor Banes.In order to comply with...

the Graham, Leach, Bliley Act (GLBA), Capital Bank, N.A. has contacted the consumer directly and a letter was mailed to the customer today.Our bank has requested that Ms. Barnes contact the Revdex.com, directly, in response to our findings. 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 our Customer Service Department at [redacted]Sincerely,Capital Bank Customer Service1 Church Street • Suite 300 • Rockville, MD 20850 • www.openskycc.com

[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.]
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]

RE: [redacted] ID # [redacted] I am responding to the complaint from our OpenSky Secured [redacted]® Credit 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 responded directly to Ms. [redacted] via an...

emailed letter. Please contact us as soon as you hear from the consumer that she is satisfied with our resolution. Should you have additional questions, please contact me directly at ###-###-#### or via email at [redacted]. Sincerely, /s/ Bonnie Y[redacted] Customer Care Director OpenSky Secured [redacted]® Credit Card Tell us why here...

March 31, 2017   Revdex.com of Metro Washington DC and Eastern Pennsylvania 1880 John F. Kennedy Blvd., Suite 1330 Philadelphia, PA  19103   RE:          [redacted]...

                ID # [redacted]   I am responding to the complaint from our OpenSky® Secured [redacted]® 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 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] OpenSky Card Tell us why here...

June 16, 2017 Revdex.com of Metro Washington DC and Eastern Pennsylvania 1880 John F. Kennedy Blvd., Suite 1330 Philadelphia, PA  19103 RE:          [redacted] [redacted]...

                ID # [redacted]   I am responding to the complaint from our OpenSky® Secured [redacted]® 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 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] OpenSky Card Tell us why here...

Dear Sir or Madam:We are responding to the complaint from our OpenSky Secured Visa® Card customer [redacted].In order to comply with the Graham, Leach, Bliley Act (GLBA), Capital Bank, N.A. has contacted the consumer directly and a letter was mailed to the customer today.Our bank has requested...

that Ms. [redacted] contact the Revdex.com, directly, in response to our findings. 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 our Customer Service Department at [redacted].Sincerely,Capital Bank Customer Service[redacted] [redacted] [redacted] [redacted]

very satisfied with out come Open Sky corrected everything very quickly . thanks  Business Bureau:
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]

June 6, 2017 Revdex.com of Metro Washington DC and Eastern Pennsylvania 1880 John F. Kennedy Blvd., Suite 1330 Philadelphia, PA  19103   RE:          [redacted]...

                ID # [redacted]   I am responding to the complaint from our OpenSky® Secured [redacted]® 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 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] OpenSky Card Tell us why here...

January 31, 2018Revdex.com of Metro Washington DC and Eastern Pennsylvania 1411 K Street, NW, 10th Floor Washington DC, 2005-3404RE: [redacted]Revdex.com Case ID #[redacted]Dear Sir or Madam:We are responding to the additional concerns from our OpenSky Secured [redacted]® Card customer [redacted].In order to comply with the Graham, Leach, Bliley Act (GLBA), Capital Bank, N.A. has contacted the consumer directly and a letter was mailed to the customer today, along with a copy of our previous response mailed to the cardholder on January 11, 2018.Our bank has requested that [redacted] contact the Revdex.com, directly, in response to our findings. 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 our Customer Service Department at 1-800- 859-6412.Sincerely,Capital Bank Customer Service1 Church Street • Suite 300 • Rockville, MD 20850 • www.openskycc.com

November 2, 2017Revdex.com of Metro Washington DC and Eastern Pennsylvania 1411 K Street, NW, 10th Floor Washington DC, 20005-3404RE: [redacted]ID [redacted]We are responding to the complaint from our OpenSky Secured [redacted]® Card customer [redacted].In order to comply with the Graham, Leach, Bliley Act...

(GLBA), Capital Bank, N.A. has contacted the consumer directly and a letter was mailed to the customer today.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 our Customer Service Department at ###-###-####.Sincerely,Capital Bank Customer Service

The attached acknowledgement letter was mailed to [redacted] today.

[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: [redacted]
I am rejecting this response because:The letter dated September 18, 2017 from the Office of the Comptroller of the Currency stated that Capital Bank agreed as follows “The bank agreed to delete the tradeline from your credit profile.” As of today, the tradeline still remains on the [redacted] credit report. Open Sky/Capital Bank in its letter dated June 23, 2017 stated “However in the interest of providing a positive customer experience, we have agreed to delete the tradeline. An AUD control umber has been filed with the three major credit bureaus to remove this account from reporting …” As of today’s date, they have not deleted the entry from [redacted] and have not complied with said request. I would like Capital Bank/Open Sky to honor their promise and delete the account entry from by [redacted] credit report.
Regards,
[redacted]

Hello,  I responded directly to the cardholder both via email and postal mail today, January 8, 2018.

---------- Forwarded message ----------From:
"">Revdex.com of Metro Washington DCDate: Wed, Oct 8, at 9:AMSubject: Fwd:To: Vernette Butts
---------- Forwarded message ----------
From: [redacted]
Date: Wed, Oct 8, at 9:AM
Subject:
To: [email protected] issue has been resolved

Attached is our confirmation letter that we resolved this directly with our cardholder.September 26, 2017Revdex.com of Metro Washington DC and Eastern Pennsylvania 1880 John F. Kennedy Blvd., Suite 1330 Philadelphia, PA 19103RE: [redacted]Revdex.com ID#: [redacted]I am responding to the complaint from our...

OpenSky® Secured [redacted]® Card customer [redacted], on behalf of [redacted], N.A.In order to comply with the Graham, Leach, Bliley Act (GLBA), [redacted], N.A. has contacted the consumer directly in letter form sent via email.Please contact us as soon as you may hear from the consumer, or, within 20 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].Sincerely, /s/ Bonnie Y

RE: [redacted]ID # [redacted]We are responding to the complaint from our [redacted] Secured Visa@ Card customer [redacted], onbehalf of [redacted]in order to comply with the Graham, Leach, Bliley Act (GLBA), [redacted] has contacted theconsumer directly and a letter was mailed to the...

customer today.Our bank has requested that [redacted] contact the Revdex.com, directly, in response to ourresolution. Please contact us as soon as you may hearfrom the consumer, or, within 30 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]