opensky® vs Live Oak Bank: most-reported complaints compared
Most-reported issues at opensky® and Live Oak Bank, according to reviewers on Trustpilot — classified by our automated reader and backed by verbatim quotes from distinct reviews. This is a side-by-side of what reviewers report, not a score, rating or recommendation for either company.
opensky®
TrustScore 4.6 · 14,909 reviews on Trustpilot.
587 reviews analysed, 2026-03-10 to 2026-09-23.
Complaint rate (recent window): 7%
32% of negative reviews get a company reply.
“Have my lawyer working on a case now where they opened a fraudulent account in my name.”
Live Oak Bank
TrustScore 4.6 · 2,022 reviews on Trustpilot.
448 reviews analysed, 2022-11-15 to 2026-09-17.
Complaint rate (recent window): 13%
95% of negative reviews get a company reply.
“Live Oak bank firmly said NO. They insisted on holding on to my funds for Sixty as in 60 days”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | opensky® | Live Oak Bank |
|---|---|---|
| Account/app problems | 26% | 38% |
| Billing errors | 23% | 8% |
| Support unhelpful | 21% | 29% |
| Support unreachable | 16% | 9% |
| Overcharging | 13% | 7% |
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Figures are census classifications, not official statistics, and reflect what reviewers reported — not findings of wrongdoing by either company. Not affiliated with, endorsed by, or sponsored by Trustpilot A/S, opensky® or Live Oak Bank.