OpenSky Credit Card

Good Afternoon. I have been trying to contact someone in your corporate office and I have had absolutely no luck at all. I found out that I owed a small balance of $185. After contacting the credit dept. my call was sent to Carson Smithfield who informed me that they could not accept any other payments other than mail. I paid the $23.75 to have the payment over-nighted via USPS on Mon. 11/27. The payment was received. They told me on Thurs. 11/30 that my account was updated as of that day and that they will mail a letter out to me and that Opensky CC would update my (3) Credit Reports. I contacted OpenSky CC today 12/8/17 only to find out that the balance was actually $185.17 and that they have not closed my account because of the $0.17 left. I would have to get a supervisor approval to waive the $0.17 balance on the account before they report to the credit bureaus. They were also unable to tell me how long it would take to process the approval to waive the $0.17 balance and they were not able to tell me when the letter would go out once the supervisor waived the fee.

I had a $200.00 limit but when I fell behind in payments they demanded a payment of $300.00. How can I owe more than my limit? DO NOT GET THIS CARD.

In 5 seconds they took my $200 for secure, used it for 6 months was great for that. It boosted my credit score great in the 6 months problem is they are not like other secured cards where after 6 months your secure funds are returned and you get a credit boost on the card, you only have credit what you put on, BIGGEST PROBLEM NOW is they took 5 seconds to take my money and now OVER # MONTHS TO GET MY FUNDS RETURNED so not only they get your interest from the use of the card they get interest until they DECIDE to send you your funds back AFTER calling 12 times and COMPLAINING this card SUXS!

I opened the account to rebuild my credit, but that backfired. Had a zero balance on the card when I moved to a new home and had my mail forwarded. I received my Opensky bill a month later and was charged an annual fee without notification via email or text. I paid it in full, although the payment was late. The next month the bill came showing I still owed the annual fee plus the late charge. I only paid the late charge thinking the annual fee hadn't posted when the bill went out. The following month the payment due was $146! I called customer service which was a 20 minute wait, and once I got to explain everything, she proceeded to argue with me for 25 minutes. I repeatedly asked her to explain the charges and she spoke in circles claiming these were late fees. I told her there's been a mistake, I've already paid the annual fee, asked to have the fees waived which she argued about, so I told her if she agrees to settle on half of the amount and bring my balance to zero, I will pay it over the phone right now. She agreed, took my payment info, then after my payment cleared she told me I still owed the balance of $73. I was livid! I had some choice words for her since she deceived me. I told her I wouldn't pay the rest and hung up. Since this is a prepaid card and late fees would continue to accrue, I decided to pay the full amount so that I wouldn't have to deal with this unethical company or their poor customer service again. Read the reviews. Don't make the same mistake I made. Do not do business with this company!

Ive been on hold over 2 hours! I can not get a hold of anyone at this company. The online support never works! They answered at 2 hours and 37 minutes, I was transferred twice with an additional 30 minutes of hold time between those transfers. First time I was transferred to wrong department, second time, it was a guy saying it was an attempt to collect a debt. Funny how I can have a debt on a secured card that I haven't ever used bcz I never even received even tho they took my damn money! And now I need to pay them 103 dollars bcz they are reporting to my credit bureau that it was charged off for that amount. So much for HELPING my credit! As soon as he answered and gave his attempt to collect a debt speel, I said well, I would like you to collect my debt please and update my credit report and just as he was telling me he can take my payment but not do anything about my credit report the call was disconnected. After being on the phone for the better part of my day unable to make any other calls or do anything else since my phone was tied up, I am physically ill and I have to give up. This is the only thing at this point keeping me from home ownership. I am going to need to call an attorney. Do your selves a favor and read the reviews. Its a scam. Do NOT give them your money.

A card holder with them for years, times are tough and I couldn't afford it anymore and the app would not let me make a payment. So I called to pay & cancel; I paid a small additional balance over my security deposit and thought that was it. However, when I looked at my account on the app that night a random mysterious payment of $100 was posted ahead of the small payment I had made and approved of $21.91. I never made this $100 payment. It was nowhere in the apps history under payments or any evidence of a payment made on NOVEMBER 16th ANYWHERE! Almost 3 weeks earlier! Supposedly that's what they said when I called. If so why was this not in the app until now and says it was made the same day I closed my account? Why was it not already processed? It doesn't take 2 plus weeks to take a payment. They said it was made on my app which has no data showing that is true. On this phone call I was told because the payment was already processed and made in November they could not stop the charge that is about to overdraw me by that same amount, not to mention the overdraft fees. I asked to speak to a supervisor and while waiting for them to transfer my call, I was hung up on. Now irate I called again, spoke with I think her name was Alicia. She told me the same BS, could not explain any of it, I still was not allowed to speak with a supervisor on this very serious theft of my money. They are doing an "investigation" and will supposedly call me in 1 business day. They still hadn't taken my money but couldn't stop the payment? The payment was old but also new and only appeared in the app after choosing to close my account. This seems to me like a scam or an FU for leaving their services. The amount of distress, unrest, and additional hit to my finances is unacceptable and unexplainable even by them. Will update after the next call.

I lost my card and had my account freezed. Once i received the new card, I have activated, but it keeps declining each time i am trying to make a purchase and that's really embarrassing. So i call customer service and they activated my card then i mentioned to her that i am traveling and dont need anymore embarrassments. She puts me on hole and says sorry for the inconvenience but your card is frozen again and we need a copy of your ID and a decent utility bill. Well at this point I have had it and asked her to close my account, not possible without that information privided to us. So i asked for a supervisor, she comes back from a long hole ti tell me no one is available. This is really a joke, they didnt ask for this information when they were taking my money, but when i need it back they making it so hard. I would like to know if they are robbing people blind legally or this business practices are allowed by our goverment. As a consumer i dictate what happens to my money, not a company tell what should i do. I will not stop posting reviews all over the internet before someone thinks they can rebuild their credit score with this company. I wish i have seen this review before i gave up my hard earned money to those thieves. And i wonder if they even care about their customers.

I havnt even received my card yet, I was just calling to ask a few questions.
First question was where my card may be?
2nd question, the machine talking said I had an avaliable credit of $165 when I put $200.00 for ky line of credit deposit.

After I got done asking these simple 2 questions the lady on the phone just said oh God and HUNG THE DAMN PHONE UP! I WAITED 24 MINUTES ON HOLD for this!?!?!? Worst damn decision I have made this year soo far was to open a damn credit card account with this company!

If this is how they are before I have even received my credit card how the hell are they going to perform when I have my card?

I REALLY hope this was just a person having a bad day and it doesn't reflect the overall company... because I have been reading nothing but horrible reviews on this card today. Something I should have done before I opened the card I know..

I took out a secured credit card of $3K to rebuild my credit. On most part I paid it in full 99% time.
They delay updating payment for 2 weeks or more resulting in you using g your bank card thinking your account is paid in full only for them to come back to you with nsf charges because of their delay in processing your payment. I finally decided they were not woth it. Maxed my card to get my money back & requested my account be closed. They claimed I still owed $27 which I paid on my Chase Debit card to ensure it was paid. I checked my chase at time of payment while agent still on phone, saw my charge & was satisfied & forgot about it as now should be paid in full. Done with. But oh no...they claimed my payment was returned not paid from my original account I used to pay from.my Capitol One account & denied I used my Chase account. So they switched my payment accounts. Now claiming I'm more than 60 days late & owe over $187. They are crooks & destroyed my credit not improved. First Progress was good.not open Sky.
I will write bad reviews & warning every where til they correct my account.
Do not use them.will only destroy your credit. They are not prompt in updating your account. Up to 2 weeks delay & delays in reporting it. Useless...run!