OpenSky, A Division of Capital Bank N.A.

From: Customer CareDate: Thu, Sep 17, 2015 at 4:59 PMSubject: [[redacted]] OpenSky Secured Credit CardTo: [redacted]@myRevdex.com.orgRE: [redacted]ID # [redacted]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. We have been in communication with [redacted], however, we require more time to fully resolve this matter which she is aware of.Capital Bank has contacted [redacted] directly by telephone September 15, 2015. Our bank has requested that she contact the Revdex.com, directly, in response to our request for additional time to come to a 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 LeadOpenSky® Card Sincerely,Jeanine R.OpenSky Customer CareOpenSkyCustomer Care RepresentativeApplicants?855-763-OPEN (6736)Cardholders?###-###-####

From: Customer CareDate: Wed, Sep 2, 2015 at 11:24 AMSubject: [[redacted]] OpenSky Secured Credit CardTo: [redacted]@myRevdex.com.orgRE:       [redacted]            ID #...

[redacted] 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] via email on September 2, 2015.  Our bank has requested that she 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,Jeanine R.OpenSky Customer CareOpenSkyCustomer Care RepresentativeApplicants?855-763-OPEN (6736)Cardholders?###-###-####

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...

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 Visa® Card customer Jayson M Cox, 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 [redacted] or via email at [redacted]@capitalbankmd.com.   Sincerely, /s/ Jeanine R[redacted] OpenSky Card

RE: [redacted]ID it [redacted]We are 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 theconsumer directly and a letter...

was mailed to the customer today.Our bank has requested that [redacted] contact the Revdex.com, directly, in response toour resolution. Please contact us as soon as you may hear from the consumer, or, within 30 days ofreceipt of this letter to update us on your records.Should you have any additional questions, please contact our Customer Service Department at ###-###-####.

Hello, we responded directly to our cardholder.

RE: [redacted]Revdex.com Case ID #[redacted]Dear Sir or Madam: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 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 ourfindings. 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,

We responded again to address [redacted]’s concerns and to confirm her refund.

Dear Sir or Madam: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 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

[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 hope that this type of incident does not happen again. The customer service rep whom I spoke with at my first complaint about the hardship closing my account had caused me was extremely unprofessional, and highly unhelpful. She told me there was absolutely nothing she could do and when I demanded a supervisor she informed me she WAS the supervisor and I couldn't speak with anyone else. She kept me on the line for an extremely long time arguing back and forth just continually informing me that I had no choice but to speak with her. As technology and times are advancing, you need to ensure you have appropriate customer service reps working for your company because they are the front image of your card. I was so upset I had vowed not to ever deal with this company again after the treatment this rep directed towards me. I am giving Open Sky one more chance but still have extreme doubts after the amount of disrespect I was given that night. Let's hope for a quick turn around and better service from here on out.Thank you for reopening my card and please understand that some of us middle class workers rely on the dollars we have put aside. This was a huge deal that really set my family behind... Thank you - 
Regards,
[redacted]

[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: none of my concerns have been addressed I don't even care anymore I am working to pay this card off never use it again and move on.
thanks for nothing
Regards,
[redacted]

March 15, 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 John S Kim 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...

July 26, 2016   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 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 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. Tell us why here...

July 22, 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 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 [redacted] or via email at [redacted]@capitalbankmd.com.Regards,  Bonnie Y[redacted]Customer Care DirectorOpenSky®, 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 [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 Ms. [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].     Sincerely, /s/ Jeanine R[redacted] Customer Service Lead OpenSky® Card

[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, 2017. After waiting almost 3 months longer then they originally promised it was sent out. No interest for holding my money for 3 years or late fees gor the extra 3 months it took them. But im happy I have my money and I learned a valuable lesson. Thanks for your help.
Regards,
[redacted]

April 28, 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...

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].     Sincerely, /s/ Jeanine R[redacted] OpenSky Card Tell us why here...

RE:          Brett Endes                 ID # [redacted]   I am responding to the complaint from our OpenSky® Secured Visa® Card customer [redacted] on behalf of [redacted]...

[redacted].   In order to comply with the Graham, Leach, Bliley Act (GLBA), [redacted]. 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 [redacted] or via email at [redacted].     Sincerely, /s/ Jeanine Rivera OpenSky Card Tell us why here...

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