OpenSky, A Division of Capital Bank N.A.

RE: [redacted]Revdex.com Case ID [redacted]Dear Sir or Madam:We are responding to the complaint from our [redacted] Card customer [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 ourfindings. Please contact us as soon as you may hear from the consumer, or, within 30 days of receipt ofthis letter to update us on your records.Should you have any additional questions, please contact our Customer Service Department at [redacted]

Hello, we contacted our cardholder directly.  Thanks, Bonnie[redacted]
[redacted]
[redacted]
[redacted]I am responding to the complaint from our OpenSky® Secured [redacted]...

Card customer [redacted], on behalf of [redacted]In order to comply with the Graham, Leach, Bliley Act (GLBA), [redacted]. 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 [redacted] or via email at [redacted]Sincerely, /s/ Bonnie Y

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, Billey 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 [redacted]@capitalbankmd.com.Sincerely,/s/Jeanine R[redacted]Customer Service Lead OpenSky Card

After further investigation, It was found that the funds in question did not clear the account, and subsequently no payment was made, sorry for the mixup. However, as stated, payment attempt was made, what has become evident is that for whatever reason your online payment system is not properly processing payments. On the dates in question, both payments were made using the same debit card where funds were available to be withdrawn. Your system returned the payments as "Insufficient funds available" and subsequently the opensky credit account in question was charged fees. This is contrary to the fact that funds were available on the dates in question, also after review of the checking account in which both payment were processed from, there is no declined transactional history on the dates in question, which suggest that no attempts to debit the account was in fact made. For your review copies of the bank statements have been attached to this response and will be forwarded to the Revdex.com.Thank you, 
[redacted]
 
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me. 
[redacted]
[redacted]

Dear Revdex.com Representative:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Thank you very much for your assistance in resolving this matter.
Regards,
[redacted]

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...

[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: I haven’t received any correspondence from capital bank! 
Regards,
[redacted]

April 17, 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...

[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 Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because the company refuses to correct their errors on my credit reports.
Regards,
[redacted]

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]

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. Sincerely,/s/Jeanine R[redacted]Customer Service LeadOpenSky® Card

[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: there is no reason or explanation towards my complaint. Just a reach out to Revdex.com for responses. What is there response to the resolution of my claim. I did receive a letter in mail saying they were looking into it but that was all.
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]

November 17, 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 OpenSky Secured [redacted]® Credit Card customer [redacted], on behalf of Capital Bank, N.A.   We are actively reviewing Mr. [redacted]’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

Hello, we are still researching the claim.  I am awaiting specific details from our processor that I expect to have tomorrow, Tuesday, August 8, 2017.

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. 
Regards,
[redacted]

From: Customer Care<[email protected]>Date: Wed, Aug 5, 2015 at 10:34 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 his complaint. Capital Bank has responded directly to [redacted] via telephone on July 29, 2015.  A follow up email confirming the resolution has been sent.  Our bank has requested that he 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 LeadOpenSky® CardSincerely,Bonnie Y.OpenSky Customer CareOpenSkyCustomer Care RepresentativeApplicants?855-763-OPEN (6736)Cardholders?###-###-####

March 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

Hello, we contacted our cardholder directly.  Thank you.