Abu Dhabi Commercial Bank [ADCB]
Reviews and Complaints

This is Richard Thomas, I have applied for a personal loan in ADCB they have rejected the loan after 20 days by saying that our company is on hold so i couldnt take loan from them. So i have decided to go for the buyout option with Dubai Islamic Bank After all things were done DIB settled the amount for my credit card and buyout request was made on 27-01-2024 After the continuous follow ups and visit to the bank i couldnt get any proper reply from them also they are dragging the process for the clearance certificate. DIB needs my pay in their account whereas if the ADCB gives the clearance certificate i will submit it to my HR and transfer the pay to the DIB As im nearing the payroll i dont know what to do. After being an loyal customer with ADCB for more than 4 years they were not treating good and delaying the process I Request to help me in this matter and resolve the issue.

ADCB Bank isn't cooperating with fraudulent transactions.

extremely negative ADCB Bank experience. I have had this account for the past six years because I trust ADCB and have deposited all of my savings there. I lost (AED: 28,679) when 11 fraudulent transactions occurred from my bank account at midnight on December 16, 2023, while I was asleep. When I complain to ADCB, they simply respond, "We will look into it and get back to you in two to three working days." Up until this point, I haven't received a satisfactory response from them, and they don't seem to care that their clients' hard-earned money is at risk.

ADCB Bank offers no security for our money.

Until recently I would have recommended ADCB. However, the last 3, almost 4 months have changed that opinion. I would now suggest that anyone find a different bank. Approximately 4 months ago over AED 190, 000 was stolen from my account. ADCB allowed an extremely large transfer to take place without any type of verification other than the OTP (my email had been hacked; I have proof). Part of this money was from a cash advance from my credit card, again a large amount that was not verified personally with me. Also, not only did I have AED 190,000 stolen, but ADCB wants me to pay the credit card bill as well, doubling the hit on me. I will be telling everyone I know to avoid using ADCB for any type banking. Its obvious they do not care about customers or customer service.

To obtain Golden visa in Abudhabi region immigration need account balance certificate in Arabic I contacted Al Ain main branch and Abudhabi Trade finance operations & group business services both of them deny to provide in arabic saying system generated certificate is in English only which is not acceptable to AHU immigration department. I totally tired after following since many days to the immigration and ADCB , I don't know what option is left for me, since ADCB does not want to give me in Arabic and Immigration need in Arabic only. I approach immigration by translating English certificate in Arabic by an approved system which is also rejected.

please advise if ADCB can provide me in Arabic or not?

When receiving the credit card was told you get a free airline upgrade voucher from etihad if spend 100,000 AED. Spent the required amount and asked for the airline upgrade. Four months later have not received. Called contact center multiple times. Contacted personal bank representative multiple times. Nothing happens. It is something that is offered but when ask for it no one cares. Nice benefit.

I would like to raise a complaint against my end of service amount. I have all necessary documents regarding releasing the end of service amount except my new visa as my new employer is going to issue the same in next week. So how come it is possible to submit all the documents in 4 days. More on to that If I am requesting bank that deduct my minimum amount of 1050 AED for the credit card and Loan amount of 699 AED which I am paying monthly that is also not possible from your side. So what kind of service are you providing to the Account holders.

Date and time: 17 December 2022 between 11:00-11:30am

I called ADCB hotline because I wanted to link my Adcb debit card to apple pay. The instruction is to call your hotline to verify. The customer representative named Yosaf answered the call. I mentioned my name on the onset of the call. But he said the number that I am using is different and I need to call from my registered number. The tone of his voice is rude and it felt like he's accusing me that I'm fraud/liar. I told him that I'm using my husband's number and how he explains is too accusing like I am a criminal or something. The ending is I jist wasted my time calling and did not get anything useful.

Kindly check the above remittance, which is on hold for a week.

The person who is handling the case seems suspicious and not able to provide the reply on the queries and not able to solve the issue.

This is affecting our business, because, the dispatch of the ordered item will be done only after the payment confirmation.

Being a service provider and we pay you for the services, the inefficient people in the middle cant be acceptable.

Kindly look into the matter

Smart Science lab Equipment Trading LLC

Hi,

I was enrolled in a course by Elite Bright Solutions Dubai and transferred 2500 AED as on 11-May-22, but it seems it was a scam as I am not enrolled for the course yet and their representative giving fake promises. Please review the case as there might be other victims of this scam. If I can get back my money, please. The payment receipt is also attached for your reference.

Not sure if this is the right place to convey my experience but I have to share my experience with ADCB bank and how they treated me after two years of relation with ADCB account holder (Saving account). Will not name any off the staff here in ADCB, they should have their own system to identify the details of their own unskilled staff. (CASE ID : 150420)

Case history:

Event 1 - 18-July-2022

I wanted to apply for a free life-time credit card in ADCB. Through a reference I was referred to ADCB Al-Rigga Branch and I applied for a credit card. Now here when I am asking that is this directly through a ADBC bank they said yes and later they requested me to sign some agency agreement and requested for a security cheque equivalent to my monthly salary. I signed the same and informed that I'll not sign any agency agreement as I don't want anybody to apply on my behalf to any other investment of other banking products as stated in the content for Agency agreement. When I asked why I should sign this the Sales Executive unable to give me a single reason and informed he will stop my application.

Event 2 - 20-Jul-2022

I escalated the matter to customer service, and they arranged for a call-back from this time there is new team said to be directly from ADCB. I applied for credit card again and signed a security cheque as per the bank policy.

Event 3 - 26-Jul-2022

My application was rejected as per the Sales Executive as HR did not verify the details and did not met the verification team is the reason shared with me.

1. Firstly verification team is the third party that did not even took appointment or call HR or authorized person to check availability.

2. Verification team met my colleague and at front desk and checked my details weather they know me and it's my credit card application and they want to meet authorized person to confirm my employment details. He has been advised to visit after 2:00 pm and he did not show-up.

3. After the first visit, nobody from verification team has attempted to contact me or my office. One call I received on same day, and he was asking me if I work from home and answered I do flexi-shifts and mostly available after 11:00 am. Saturday and Sundays we have weekly off and we have different team at different locations apart from UAE and here in this office we are 6-7 people working.

4. Now here is the Sales Executive from ADCB when I am sharing this incident with her. "Mam, verification team will not call you and do verification as per your availability and normal office set-up starts from 8 or 8:30 am".

Question: If its my verification, availability will be checked whom then?

5. I am disappointed and felt insulted by this ADCB Sales Executive who is not even listening to me and saying I should report to work at 8 or 8:30 am indirectly. Also, she asked me to provide my company telephone bill and I mentioned it is not relevant to my application. You may visit company website and call on company number to verify and to this she said very rudely that your application is denied and if you provide company telephone bill only on this condition it will be approved.

6. Verification team did not mention they were talking to my front desk team and colleague about my credit card application, and they have been advised to visit after 2 pm to meet the authorised person as they do late shift along with me.

7. Also, this guy’s conveniently call and checked with me what time I’ll be available and do I work from home over the phone call and later he did not responded to my call after 15 minutes when I was checking on him to make him sit at the office and let him meet HR or authorised person.

8. So far, I received only one notification of my ADCB phone banking mobile app and not even a single SMS on my registered number that my application is denied. Very inefficient Customer Support and Operations team at ADCB.

9. Now here the game begins Sales Executive was calling me even after I said send me an email at my registered email address that my application is rejected. She forced me to talk to her and confirm on call that I don’t want to proceed further with my credit card application. I have to raise my voice and inform her that I have already escalated the matter to Customer Service team (CASE ID : 150420) and let Customer Support handle the issue. Also complains number Customer_Complaint Ref_No: C00109738.

Event 4 – 27-Jul-2022

8. Now I am in touch with Customer Service team for almost two days. 27-Jul-2022 and

28-Jul-2022. Old Sales Executive is removed from my portfolio and new person appointed to address my credit card application and I receive a phone call empathising me and apologizing for the inconvenience from ADCB Customer Support.

Event 5 – 1-Aug-2022

One new person called from credit card team and tried to understand the issue. He helped me and informed that the Verification Process failed when a third-party verification team couldn’t reach the contact/authorised person at my office as per his records. Also, he made me share my feedback on third-part verification team over the email along with my company website where phone number mentioned in it and submitted my application again for processing.

During all this events I did not receive a single email notification from ADCB about my credit card application being in process or rejected on both email and SMS. I received only one notification on mobile app (22-Jul-2022) when ADCB team asked me to sign Agency agreement which I refused to sign.

I got to know from my Sales Director that he verified my employment details for ADCB credit card and this time I was hopeful as this is sorted. But No, now I have suffer more.

Event 6 – 8-Aug-2022

I sent an email to the Contact person in Sales who re-submitted my application for follow-up on my application status copying Customer Support team. I received a auto-response from Customer Service that they will contact me within 2 working days and there was no response for almost 4 days.

Event 7 – 12-Aug-2022

1. I sent another escalation email for follow-up requesting for update as well as to return the security cheque they made me sign as I am not in the state to trust these guys as they are playing with me for almost 25 days now while passing the bucket from one to another team and closing their case in the internal system without even checking if the case is unresolved and customer is unattended. I raised the concerned on the way the inefficient and unskilled team at ADCB and the third parties appointed by them handles their customers and waste their time and harming reputation of the bank.

2. Now this time I got a call from Salesperson at ADCB stating that he was unwell and couldn’t call me for last two days. Now he is saying phone verification is successful but personal verification done on 25-Jul-2022 is unsatisfactory. Hence, my application is rejected. It doesn’t make sense when you resubmit the application on 8-Aug-2022 and reject application based on false & inefficient verification done way before the resubmission date. I mean how come you reject my application where I am already escalating that third party verification team is unskilled and don’t check details of the case.

3. Now there is another glitch, this salesperson is informing me that if he re-submits my application for personal verification again it will take two to three weeks and I have wait again. I informed him please send me an email regarding this and return my security cheque as I lost trust on all ADCB staff now.

4. I wouldn’t have written this long event history but now it is making me think to switch to another bank account and get rid of even Saving account from ADCB due to this incident. Where unskilled and inefficient staffs are playing with client’s time and their financial portfolio.

5. When your staff says its a bank policy, what is bank policy to keep your customer unattended and hanging for a month? or playing with their financial portfolio?

I don’t mind ADCB rejecting my application, only concern here is there should not be plenty of drama for 20 to 25 days just for no reason informing me about company policy and hiding inefficiency of the staff.

Any false remarks from a third-party verification team whom I am not even related to and they are removing grudges since I complained about them...I signed a consent to verify my details and not to reach out to all my colleagues and bosses, owners, HR or director without even checking their availability.

I provided the yas mall branch with evidence of a new contract and a salary transfer letter was also offered. Nobody listened to me while I explained I wanted simply to pay my existing loans and normalize credit cards and use my EOSB as operating capital while my next paycheck was pending. Instead they did not allow me to move any money around and now I am in danger on defaulting on car loan, credit card repayments, phone bill, internet services. I am currently selling personal possessions just to eat and feed my dog. If a basic amount of common sense had been applied I would have had no issues at all and everything could have continued without interruption. Please note the new salary was an increase and I make a considerable salary. I have been treated with no respect and the greed of the bank is staggering.

Unfortunately, I am a victim of the Fraud Act. I am a Greek living and working currently in Malta with my husband and I was applying for a job in the United Emirates via platforms such as jooble, indeed, glassdoor, and a "school" with the name Dunecrest American School sent me a positive answer to hire me. The "recruiter" s name was Pat Hould. He was contacting me with all the information via the email job.[protected]@gmail.com. He asked me to contact the ABAL TRAVEL AGENCY in order to prepare my papers to enter the United Emirates. I contacted this " ABAL TRAVEL AGENCY" and they requested me copies of our passports of me and my husband s and to send them in two installments of 1,426 EUROS, a total of 2,852 EUROS in ABU DABHI COMMERCIAL BANK in the United Emirates. I sent it unfortunately to them on the 17th of June 2022 the first remittance on the account AE120030012324371810001 and on the 20th of June 2022 the second remittance on the account AE160030012153939820001. I sent the money from my Greek Bank Account online. However, on the 22nd of June, I received a new email where the "travel agency" requested me to send them additional 5800 US dollars in order for them to prepare my health insurance. At that point unfortunately a bit late for me I realise that it is scamming. I contacted my bank to interrupt the two remittances immediately, and I report the fraud to the police here in Malta. My bank has already contacted you regarding this fraud. Could you please inform me what should be the next actions please? Regards

They impose charges despite paying more than what you used and the penalty of early settlement! They always want more and more, when you call and ask why and what you get no real answer. Instead you hear a person with concern to keep his job safe only. I paid off all my credit cards dues and for the third month I still pay a lot. My simplylife credit limit was 30,000 I paid it off and paid more 299.66 dhs twice or 3 times trying to cover the endless 210 dhs penalty of early settlement! This is robery

Hello,

Hope all is well.

I left UAE last year in May i.e. 2021 and had requested my account rep to close my bank and credit card accounts. I believed that my bank accounts was closed but my credit card accounts were in "blocked" status which I had no idea until recently. I obviously thought that all accounts were closed.

Firstly, I paid all my credit card outstanding balances in full before I left and even left a small amount in the bank account just in case. However I found out after one year that my credit card accounts are in "blocked" status only and there were unexpected annual fees and late charges posted on my accounts. I only found out from the collection agency emails I received that caught my attention.

I tried several means to contact your bank and went through multiple channels to do so. I was either being redirected multiple times or someone just wrote one liner to ask me to check my statement which I did not have access to after a year. I did not even have a local phone number to change my password. I asked for the dispute process and no response. I waited for someone to call me and no response. I finally connected with a customer service agent and he was able to tell me that all the outstanding balances are related to annual fees and late charges after the accounts were closed/"blocked".

I have been a loyal customer and feel absolutely frustrated and disappointed now for the fact that a reputable bank can lay charges and annual fees on credit cards that are in closed/blocked/inactive status. How could that be logical or acceptable for someone to charge for unused services or services that were not provided to customers?

Then I asked for the dispute process and no response again. Now I wish you can help me resolve this matter. Hope you can look into it in a timely manner and reply bank promptly.

Thanks

King Sun Chui

Dear sir,

My old company transferred end of service to the ADCB bank on 5th May, I received message in my mobile that it is on hold.

Same time I received email stating that your EOSB is hold and need to provide final settlement breakup certificate from old employer within 4 days, if I failed to submit within 4 days end of service of 13,500 dhms will be adjusted towards my pending loan.

I sent the breakup letter on the same day to the bank.

Also bank asking new company visa copy, emirates id and salary transfer letter within 4 days to be handed over to the branch.

I visited the branch with new company offer letter and old visa, they did not accept it said that they need new visa.

I said my old visa cancelled visa 2 days ago and my new visa is under process. How bank expect to have all this documents in 4 days time.

Labour approval takes only 5 days then medical then emirates id, I said all this process takes 3 weeks or max 1 month.

Also there is no default to the bank so far and paying emi in time.

Please help me to release my end of service benefits from ADCB bank.

Thank you.

I have complaint for ADCB relationship manager or officer system. I am living in Canada and was out of UAE for 3years in pandemic, and my Etisalat number was closed so was not able to get OTP message. ADCB start deduction of relationship fee on my account. No relationship manager bothers to call me or email me to find out why I am not operating the account in 3 years. my relationship manager told me that they are not allowed international calling to customer as 60% of UAE resident are from other countries.

When I came back to UAE 1375 DHS and -2200 DHS showing on account. Which means for all this period I will pay 3575DHS for the service which ADCB offed only on papers no one called or no follow up or nothing from Bank only I was receiving system generated email and statements . .This is hard earn money It is kindly requested to Waive off hold amount on account and transfer 1375 my earned money in to my account.

Someone purchase online using my bank account and I lost 4520 aed they purchase 207 usd and 988.80 usd but the bank did not confirm it to me at that time dec. 13 happen im very busy at my work dec.14 I call they hot line they only block all my card and thats it... I went to police and ask me to get dispute letter frim the bank but the adcb reguse to give. I been 8 years in adcb but this bank are not secure to save money I work hard for it but they did not do anything. And they says its my fault how come it be my fault I dont knoe everything the transaction I did not even recieve msg in my email just suddently pop up message that its already my money lost

Dear Sir,

We are from Alphabeta Global shipping LLC having account no: [protected] with KARAMA branch, Dubai

We have done remittance on 16th Nov'2021 - to our vendor
Name: Unitex Logistics Limited
Account No: [protected]
Bank Name: HANG SENG BANK LTD
Branch Name: TSIM SHA TSUI

Attached herewith the remittance details.

Till today our vendor account has not credited can you please investigate on our this particular transaction and give us feedback within 24hrs.

Kindly act on this complaint immediately as it is very urgent and important vendor for us.

We want above said vendor account to be credited immediately

For Alphabeta Global Shipping LLC

Director

Prabhu.G.K.N.
Alphabeta Global Shipping LLC,
#302-3 Zabeel Business Center,
Zabeel Road, PO Box 120423
Karama, Dubai, UAE
TEL: +[protected] FAX: +[protected] Mobile: +[protected]
E-MAIL: prabhu.[protected]@alphabetaglobal.com, [protected]@gmail.com
JC Trans MEMBER: ID : 113881

Dear Sir,

We are from Alphbeta Global shipping LLC having account no: [protected] with KARAMA branch, Dubai

We have done remittance on 16th Nov'2021 - to our vendor
Name: Unitex Logistics Limited:
Account No: [protected]
Bank Name: HANG SENG BANK LTD
Branch Name: TSIM SHA TSUI

Attached herewith the remittance details.

Till today our vendor account has not credited can you please investigate on our this particular transaction and give us feedback within 24hrs.

Kindly act on this complaint immediately as it is very urgent and important vendor for us.

For Alphabeta Global Shipping LLC

Director

Prabhu.G.K.N.
Alphabeta Global Shipping LLC,
#302-3 Zabeel Business Center,
Zabeel Road, PO Box 120423
Karama, Dubai, UAE
TEL: +[protected] FAX: +[protected] Mobile: +[protected]
E-MAIL: prabhu.[protected]@alphabetaglobal.com,
[protected]@gmail.com
JC Trans MEMBER: ID : 113881