OpenSky, A Division of Capital Bank N.A.

August 21, 2015I 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 is...

concerned of [redacted]’s claims of fraudulent activity on her account. We have responded directly to [redacted] via letter on August 21, 2015 requesting her to complete the required affidavit of fraud and return it to us as soon as possible. We will contact her directly with the results of the investigation.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.Customer Service LeadJeanine R

We responded to our cardholder again on 3/1/2018.

[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]

[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 was contacted and they refused to reconsider.  People should know what they are dealing with when they sign up for these services. Extremely bad customer service and it will negatively effect their credit.
Regards,
[redacted]

January 26, 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] [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...

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

Response mailed directly to our cardholder

January 25, 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 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 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 ###-###-####.Sincerely,Capital Bank Customer Service1 Church Street • Suite 300 • Rockville, MD 20850 • www.openskycc.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. I find that this resolution is satisfactory to me, although Open Sky incorrectly stated in their response that "Although the account was closed, the card
had not expired."The card had expired in December of 2016, several months before the incident.However, since there is no balance in the closed account, and Open Sky said they updated the trade line to “paid as
agreed” with the major credit bureau reporting agencies, I am satisfied with their response. Thanks again,   
Regards,
[redacted]

Hello, a reply has been sent 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 toour 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 BankCustomer Service1 Church Street ' Suite 300 ' Rockville, MD 20850 ' www.openskycc.com

From: Customer Care<[email protected]>Date: Wed, Mar 9, 2016 at 11:37 AMSubject: [[redacted]] OpenSky Secured Credit CardTo: [redacted]@myRevdex.com.orgMarch 9, 2016 RE:       [redacted]...

[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 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,Jeanine R.OpenSky Customer CareOpenSkyCustomer Care RepresentativeApplicants?855-763-OPEN (6736)Cardholders?###-###-####

From: Customer Care<[email protected]>Date: Fri, Aug 7, 2015 at 3:44 PMSubject: [[redacted]] OpenSky Secured Credit CardTo: [redacted]@myRevdex.com.orgRE:       [redacted]             ID #...

[redacted] To 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 his complaint. Capital Bank has responded directly to [redacted] via telephone on August 5, 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,Jeanine R.OpenSky Customer CareOpenSkyCustomer Care RepresentativeApplicants[redacted]-OPEN (6736)Cardholders?###-###-####

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

From: Customer Care
arial, sans-serif;"><[email protected]>Date: Wed, Aug 5, 2015 at 10:34 AMSubject: [[redacted]] OpenSky® Secured Credit CardTo: [redacted]@myRevdex.com.org
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 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 Lead
OpenSky® Card
Sincerely,Bonnie Y.OpenSky Customer CareOpenSkyCustomer Care Representative
Applicants?855-763-OPEN (6736)
Cardholders?###-###-####

[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 1, 2017Revdex.com serving Metro Washington DC and Eastern Pennsylvania 1411 K Street, NW, 10th Floor Washington DC, 20005-3404RE: [redacted]OpenSky Account Ending in [redacted] Revdex.com ID [redacted]I am 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

[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: Revdex.com of Metro Washington DC<[email protected]>Date: Mon, Jun 1, 2015 at 9:31 AMSubject: Fwd: Close a ComplaintTo: [redacted] <[redacted]@myRevdex.com.org>
---------- Forwarded message ----------From: [redacted] <[redacted].com>Date: Sun, May 31, 2015 at 6:59 PMSubject: Close a ComplaintTo: [email protected]:
I want to close my complaint [redacted] because the Company contacted me and resolve the problem.
Thank you!
[redacted]

May 19, 2015To Whom It May Concern,
I am responding on behalf of Capital Bank, N.A. to the follow up...

complaint from our Open Sky® Secured Card customer [redacted].
In order to comply with the Graham, Leach, Bliley Act (GLBA), Capital Bank has contacted the consumer directly in response to her complaint.
My attempts to speak with [redacted] have been unsuccessful. An email was sent to [redacted] at the confirmed email address we have on file. We have requested that she notify the Revdex.com if she is satisfied with our findings and explanation.
Should you have any additional questions, please contact me directly at ###-###-#### or via email at [redacted]@capitalbankmd.com.
Regards,
Bonnie Y
Customer Care Director