opensky.com

Opensky is an absolute menace that needs to be stopped. The fact they take joy in luring and taking

Opensky is an absolute menace that needs to be stopped. The fact they take joy in luring and taking care of the financial vulnerable is evil.
6 yrs back with a loss of a job, deep depression 5 months of not being able to find work - I let things fall on the wayside. When I shook myself back to life money wise was bad like 720 credit score down 485 and thus began my journey to get my life back together. On Credit Karma they offered that I had an excellent chance getting a credit card from a company called opensky and for $200 deposit which would be my credit line and they report to the credit agencies. Sounded great and signed up for a card $200 and when I got my card in the paperwork they note any issues and complaints etc that a LETTER should be sent to them xxxxx. Yup a letter not an email not a fax. Actual mail. I had a bad feeling about this company so for the next year or so I monitored them and used them with extreme caution. After a year i called them and told them I was in better credit health and would be closing the current paid off balance account and direct deposit to return my security deposit would be fine. They said they could not do that. They would mail me a check.
Ok?
Anyways I was glad to be done with them and honestly wrote off ever seeing my deposit when 6 weeks later I got an honest to god check.
Cut to 2025 I worked my way back to financial stability. I was in the 740 range credit wise. I found and been with a job that pays very well and things have been consistently paid on time for years. I stopped obsessing over my credit report…maybe checking it out 2 times a year. I decided to treat myself to a new MacBook since my the laptop I had was on its death bed begging me to take it behind the barn. I went to get it financed by the Apple Card and make monthly payments…and was declined. I was confused. I had 3 credit card including an Amex by now. Why would Apple deny me. They sent an email citing something about a delinquent account that was closed and charged off. I checked my credit report and sure enough in the closed account area as a single name. Opensky.
Opensky apparently decided that my account would not be closed and apparently for years they would occasionally send to the 3 credit companies about a late payment I was supposed to make. Almost a year and a half of them claiming late payment every 3 or z5 months then apparently I went to collections and following the trial the next month into “collections” the account was closed and written off. I called them and they routed me to their collections agency. I had gone back on my checking account and pulled up the check deposited at Wells Fargo. I let the collection company know i paid off the account. Had evidence that everything was properly closed lit. And they not once ever called me about a delinquent account. The collections woman told me I need to write a letter to Opensky letting them know what was going on and to pull the closed account comment off my report. I had to actually write them a letter. 6 months later I still haven’t heard back. I keep calling and get routed to their collections agency and currently making this a legal matter.

Here is their address to send letters to and a number to call

OPENSKY CBNK
P.O. BOX 9224
OLD BETHPAGE, NY 11804

(800) 859-6412

Also email the state attorney general. They are building up a case against Opensky and still need more victims.

Date of experience: Mar 26, 2026