OpenSky, A Division of Capital Bank N.A

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 They have contacted me directly and the issue has been resolvedThey refunded the service charge and have sent my security deposit backI just wanted to make sure I got the check before I closed the complaint, which I haveThank you Regards, [redacted]

November 2, 2017Revdex.com of Metro Washington DC and Eastern Pennsylvania K Street, NW, 10th Floor Washington DC, 20005-3404RE: [redacted] ID [redacted] We are responding to the complaint from our OpenSky Secured ***® Card customer [redacted] .In order to comply with the Graham, Leach, Bliley Act (GLBA), Capital Bank, N.Ahas 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 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 ###-###-####.Sincerely,Capital Bank Customer Service

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

[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: [redacted] I am rejecting this response because:The letter dated September 18, 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 reportOpen Sky/Capital Bank in its letter dated June 23, stated “However in the interest of providing a positive customer experience, we have agreed to delete the tradelineAn 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 requestI would like Capital Bank/Open Sky to honor their promise and delete the account entry from by [redacted] credit report Regards, [redacted]

June 16, Revdex.com of Metro Washington DC and Eastern Pennsylvania John FKennedy Blvd., Suite Philadelphia, PA RE: [redacted] ID # [redacted] I am responding to the complaint from our OpenSky® 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.Ahas 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 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

Attached is our confirmation letter that we resolved this directly with our cardholder.September 26, 2017Revdex.com of Metro Washington DC and Eastern Pennsylvania John FKennedy Blvd., Suite Philadelphia, PA 19103RE: [redacted] Revdex.com ID#: [redacted] I am responding to the complaint from our OpenSky® Secured ***® Card customer [redacted] , on behalf of [redacted] ***, N.A.In order to comply with the Graham, Leach, Bliley Act (GLBA), [redacted] ***, N.Ahas contacted the consumer directly in letter form sent via email.Please 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 [redacted] .Sincerely, /s/ Bonnie Y

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]

From: Customer Care arial, sans-serif;">< [redacted] >Date: Fri, May 29, at 2:PMSubject: [ [redacted] ] Open Sky® CardTo: [redacted] Sincerely,Bonnie Y.OpenSky Customer CareOpenSkyCustomer Care Representative Applicants? [redacted] (***) 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]

Hello, we contacted our cardholder directly Thank you

From: Customer CareDate: Thu, Sep 17, at 4: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.Ahas contacted the consumer directly in response to her complaintWe 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, Our bank has requested that she contact the Revdex.com, directly, in response to our request for additional time to come to a 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 me directly at ###-###-#### or via email at [redacted] @capitalbankmd.com.Sincerely,/s/Jeanine R***Customer Service LeadOpenSky® Card Sincerely,Jeanine R.OpenSky Customer CareOpenSkyCustomer Care RepresentativeApplicants?855-763-OPEN (6736)Cardholders?###-###-####

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

March 15, Revdex.com of Metro Washington DC and Eastern Pennsylvania John FKennedy Blvd., Suite Philadelphia, PA RE: [redacted] ID # [redacted] I am responding to the complaint from our OpenSky® Secured ***® 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.Ahas 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 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

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.Ahas 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 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 me directly at ###-###-#### or via email at [email protected],Jeanine R***Customer Service LeadOpenSky Card

December 1, 2017Revdex.com of Metro Washington DC and Eastern Pennsylvania 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 ***® Card customer [redacted] ***.In order to comply with the Graham, Leach, Bliley Act (GLBA), Capital Bank, N.Ahas 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 findingsPlease 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 [redacted] .Sincerely,Capital Bank Customer Service [redacted] • Rockville, MD *** • www.openskycc.com

November 28, 2017Revdex.com of Metro Washington DC and Eastern Pennsylvania 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 ***® Card customer Eleanor Banes.In order to comply with the Graham, Leach, Bliley Act (GLBA), Capital Bank, N.Ahas contacted the consumer directly and a letter was mailed to the customer today.Our bank has requested that MsBarnes contact the Revdex.com, directly, in response to our findingsPlease 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 [redacted] Sincerely,Capital Bank Customer ServiceChurch Street • Suite • Rockville, MD • 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.] 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] ***

We responded to our cardholder again on 3/1/

From: Revdex.com of Metro Washington DC Date: Mon, Aug 17, at 10:AMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] .To: [redacted] < [redacted] @myRevdex.com.org>---------- Forwarded message ----------From: [redacted] < [redacted] @***.com>Date: Mon, Aug 17, at 10:AMSubject: RE: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] .To: [email protected] receive a call from this merchant today stating that I should see a refund within daysAt this time I would like to close this complaint.Thank you

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.Ahas contacted the consumer directly in response to his complaint.Capital Bank is concerned of [redacted] ’s claims of fraudulent activity on her accountWe have responded directly to [redacted] via letter on August 21, requesting her to complete the required affidavit of fraud and return it to us as soon as possibleWe 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 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 me directly at ###-###-#### or via email at [redacted] @capitalbankmd.com.Sincerely,Jeanine R.Customer Service LeadJeanine R