To dispute an OpenSky® Secured Visa® Credit Card charge, call Capital Bank customer service at 1 (800) 859-6412. Alternatively, the address to dispute a charge by mail is:
OpenSky® Card Services
PO Box 9224
Old Bethpage, NY 11804-9224
OpenSky disputes are typically resolved within 90 days, though more complex issues may take a little longer. Capital Bank does not allow you to dispute a charge online.
Once you’ve initiated the dispute, Capital Bank will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your OpenSky card as you normally would while a dispute is ongoing.
Capital Bank will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.
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