Abu Dhabi Commercial Bank [ADCB]
Reviews and Complaints

Dear ADCB,

I am writing this email to inform you that I paid off my entire bill before the due date and my next statement its showing finance charges of 82.96.
How can that be... After I complete paying a credit card off, the company charges me interest the following month.
Its clearly mention your last adcb statement that total amount due (to avoid any finance charges) will be 4, 279.10 and I paid 4280 before the due date.
I know that if I paid 4279, for that balance 10 fills you will take the finance charges that's why I paid 90 fills extra then I got a finance charges of 82.96.
I called your customer care executive and she can't able to convince me and she promised me to call back her manager but nobody called me for the past two days.
I just made a mistakes opting adcb. Please check your system and do needful. I am looking for a favorable response from your side.
Please find the previous two statements below and my account details.

Name : Nidhin Raj
Customer ID : [protected]

I have made multpile complaints, got a call once from the complaints dept to close it. complaints dept promised to help, and closed the case.

After two weeks, I am still awaiting my solution. Is this a marketing gimmick to close complaints which hasnt been solved.

I have been calling weekly and never getting a solution. Everytime i call, i waste my time and make an ew complaint.

Complaints in ADCB are a joke !
Please change before its too late, like other banks.

Dear Customer,

We would like to inform you that your complaint C00064229 has been resolved and closed.

Thank you for banking with ADCB.

Regards,

Customer Care Team

Abu Dhabi Commercial Bank

Head Office

For and on behalf of Abu Dhabi Commercial Bank, PJSC. This is a system generated email, for your information only.

Adcb... your contact center service is the worst service I have ever gone through, without proper knowledge of service... spoke to agent to the manager, giving different process and information. Don't you have a single knowledgeable person in the team. Because of the negligence and mistakes of ur staff I am going through a tough time in my life. Due to the panademic, my company is unable to pay my salary which was notified to us in advance. Based on the same I have called ur contact center on 31st March for my April 10th PL emi deferment. The lady named Basma has processed my deferment request and confirmed that it will be done in 2 days, also asked whether I need to follow up as my registered no is switched off. Based on her confirmation, I was on impressions it's done.in the blue I got the email from collections last day that emi is due as the deferment was not done as they couldn't able to reach me. This is very ridiculous, if it's for a new loan or mortgage or cc u would have tried all ur means to reach us, and inspite of letting u know, the service I have gone through is horrible. What is the purpose of lots of relief for us if u can't execute the same properly... pls don't give false promise and hope to ur customers🙏

The best part is the solution given by the manager is to log a complaint again over the complaint I logged. Not sure if the managers have a target on numbers of complaints logs😡😡😡. Someone responsible in the bank pls fix my issue.

Mohanan
[protected]

ADCB was running a promotion called "Etihad bonus miles bonanza" which ADCB platinum credit card holders can obtain 22, 000 Etihad miles after spending AED22, 000 between 20 Oct 2019 and 15 December 2019. I have successfully enrolled this promo (even received the confirmation SMS from ADCB), they never credited 22, 000 miles into my Etihad guest account.

I made multiple calls and sent many emails to both ADCB and Etihad, but they kept telling me they were investigating and never credited the promised miles. I was deceived.

1day back Automaficall around 3783 dh has been transacted without my concern pleas help me nothing has been asked either password aither card details either any kind of otp this type of fraud fully bank will responsible bank must take responsibility and refund my money, we believe in bank to make care of our money how without my knowledge money withdrawn

Antony Bourne
tony.[protected]@btinternet.com
Tel: [protected]
Villa 80 - Al Ghadeer, Abu Dhabi

Hi, I was a tenant at the above property through Al Wifaq, part of Union National Bank. I now understand you have taken over from them.

I am complaining that the staff as Al Wifaq have failed to return my security deposit, I have sent numerous emails and each response, they said they would return it in a few days. It has now been 3 months since I left the property and my AED 4, 448.75 still has not been returned. I have provided all documents, clearance letters etc.

You are my last hope before I file a Police case for theft.

Kind Regards

Mr. A Bourne

I have limit of 10, 000 in my credit card. Today I saw in my ADCB app that I have 8, 956 remaining creditcard limit so I paid 1, 055 to close it into 10, 000. Then in their machine I did balance inquiry and it showed in the printout that I have 10, 572.66 so it mean I over paid y creditcard then I ask the woman in the ADCB branch information desks what should I do and Gen she advice me to call customer service. Before I called the customer service I did check my ADCB mobile app to see ho much is my available credit limit as of now and it shows I have 10, 006.76 then i call the ADCB customer service. I asked the man regarding the available amount in my creditcard as I think I over paid my creditcard because my limit is 10, 000 and it shows in my balance inquiry that I already paid 10, 572.66 and he said I should not rely on ADCB machine Because it will not give me right information and he told me the machine is only for deposit! Which is not right because they have BALANCE INQUIRY option in the machine. I asked him what about the ADCB mobile application and he said again that it is not accurate so I should not rely on the mobile application. I'm so disappointed because he said that is I want to have no balance in my creditcard I should pay approximately 100. So I said I want to close fully my creditcard as everything in ADCB is a mess for not give right information ( machine and mobile app) then he said I need to pay 200 plus if I want to close my account as I have previous purchased. How it happened when all I paid already and it's also showing in machine and app the I over paid already. It's so frustrating and I'm so disappointed with this bank. Now I know why when I asked the branch office that I want to close my creditcard account they told me to call customer service. How they will tell the customer this is the amount you should pay when the customer can't see the breakdown of how they calculated the amount. This bank is really not good bank where all is not accurate!

Hi...
My name is Tahir Latif. I am regular customer of UNB from last 11 year. Now i facing lot of problems with this card. My ATM card was block because of update document required. I submit all updated documents to the bank of ADCB(Bawaba al sharq ground floor) binyas abu dhabi on 7th of october 2019. Later on 9th of october, i check the ATM, but still was block. Later on 22nd of october, i went again to the same bank and told them the problem which i face. Ms Hana said that we submited your documents to headoffice, tomorow your card will be activate. Today is 26th october, and card is still block.

Good evening.
I had a ADCB credit card limit of 24, 000 AED. I have outstanding which is not paid. I was a good customer of the bank but due to job lost I came back India. And I am not working here.
Now I want to back UAE. I have offer there. I know the bank put the case against me. I want to start payment after reaching Dubai. Please with draw my name from case.
Regards
Manoon Hasan khan
Passport no
Email. [protected]@gmail.com

My Name is Manuel Douglas Loleng
Mobile Number : +[protected]

I lost my Job since May 2019 and submitted all my documents to ADCB BANK, Bawabat Al Sharq Branch to Ms. Madame Hanan and Informed the officer of the Bank Mr. Mohamad Ali. All Document like Passport, Visa, Certificate of Termination and I signed 3 times every month the Involuntary Loss of Employment Claim Form and everthing was accepted by the bank. They told it will be submitted to collection department. This loan was under ADCB CID No. 594327

When I coordinate to Orient Insurance, no documents has been forwarded to them.
Please help me.
Thanks

I opted ADCB because of their good service for my car loan in the past. I applied for a car loan agian in August and its October. Still there is no approval even though the company I am working in is registered in ADCB. I submitted all the relevant documents one month ago and it took one month for me to get the LPO for my car. Due to the delay in achieving the LPO the seller of the car had to pull off the deal which made me eventually look for another.

However, I found another car and resubmitted the evaluation reports and asked the bank to reprocess for the LPO. Now the bank has come up with another story, they want me to resubmit my salary certificate as the one I already submitted had become one month old. This is so frustrating that everyday the orocess is getting delayed due to silly reasons. Now I have to ask my company to change the date of the salary certificate and submit them again? Just because its one month old? I Mean is the bank just finding out reasonsto delay the process? Now getting the salary certificate from my company just because of the date is annoying and will definitely take time and I am sure even after getting the certificate the bank will delay. Will the seller of the car wait for all these? And if not, I will have to look for another car and submit again the documents? And the bank will say the documents are old submit again? Which means no solution and I will have to wait my entire life just for these silly things get approved?

I just made a mistaks opting ADCB. I will never forget this horrible experience with ADCB and I will never recommend my close ones to go for ADCB.

Mohammed Mubariz,
[protected]

I have account with ADCB since 2016, I no longer live there, and wanted to transfer my funds to my USA account, there are serious problems..
I have several emails to customer contact center, the answer is we will get back to you.
its been a month, I called and talked to customer service center so so any times. I sent my documents to Cornishe Branch Manager, for sending my funds, they got all my documents as they wanted, no response whatsoever its been 10 days.
The people in the service center just making fun with me, " we send your message and waiting" 10 days they could not get response from another department.

Dear Sir,

Good day,
ADCB Riqqa Branch our account [protected],
AED:13000/- cash deposited in bank account & bank instantly deducted AED:2220/- & we can understand may be maintenance charges & we get sms on mobile available balance AED:10778/- but next day we visited bank to encash AED:700/- & they stopped/holded all our money.

This money we deposit in our account for renewal of our trade license but ADCB holded it & now our trade license delay renewal fine started. Can ADCB management help us to release our money.

Looking help from ADCB management.
Regards

unauthorized deductions of AED 150 per month was made from my account. I was not notified (of deduction) by email, You may please share a copy of the email you have send to me to prove this.
I am requesting you to kindly reverse the above said deductions .

Also i would like to transfer the funds to a local account in UAE which i am not able to do since i am not receiving any OTP in my email.

I got a reply from ADCB that it cannot be refunded & no mention on the usage of OTP. I cannot understand the reason for denial for something which was not brought to my attention.

With due respect I would like to state that i am Sufsal zubair account holder of current account adcb bank,  account number [protected]) since 3 years. Now I want to close my account due to non maintaining my account with minimum balance.. And my account getting fine for last three month..so please requesting to close my without getting any fine..please free to call me for any clarification..Sufsal zubair,  Contact me on [protected].. 

• last december I was notified by my employer the completion of my assignment
• last january I requested to cancel the credit cards then approved by adcb
• a few days after confirmation of adcb I went to the brand to close the account
• all done correctly, but when I checked at internet (to ensure everything was ok) I noticed I had overpay the credit card (in the past and not sure when) and have a credit of around aed 600
• I went to the brand to ask how I can refund it
• the brand communicate will check how can be done as the account was already closed and will communicate me via phone
• nothing happened and I traveled to my home country
• I received a notification on my phone the was deducted with no reason from my credit card the same amount (improper funds appropriation)
• I travel to uae back at the end of last march and went to the same brand, again told me i'm correct will reimburse me, to wait a phone call to inform how and when
• again nothing happened and I have to mobilize to saudi arabia
• next week I will be at uae again for a few days and hope you could help me to sort this out

Dear All,

Greeting of the Day..

With reference to the Subject Complaint Number - C00032231 I made a complaint against Collection Department who made me false commitment for the same register a complaint with customer care . For the same received a call form ADCB Ms. Reshma had discussed and explain every thing she said she will check with collection department and bring the proof until now she didn't bring any kind of proof and even many time follow up with Customer care no proper response with them also. For you reference find the attached What's Up chat who had with me at the time of settlement plan with collection team . Name Lenny Contact number : [protected] also note that without my approval all the credit card has been cancelled and also charge the existing EMI foreclose charges who given authorize to cancel my credit card and cancel my EMU plan without settlement plan.
Bank have authorize to do such kind of activity cancel the credit card and EMI plan without taking approval with card holder ?. Bank can take all the decision him self without any explanation from card holder? . I need banker to clarify my question if they did so or else I want take action against who deal with me and made a false commitment from collection department. As per collection department confirmed me non official via whatsup message that my card settlement done. I wanted to know what is the bank procedure if settlement done how bank will confirm with the card holder ? whether by personally whatup message or register mail id ? Let me know the answer with bank .
Note : From the month of September I put on hold loan and CC payment until I get the solution from bank and also I won't pay any additional charges which appear in my CC and loan account .

find the attached whatsup chat proof who deal with me from collection department

As per the term of my personal loan for the loan Account No. : 11232195P001001 (find attached), the monthly EMI suppose to be AED 1338, but last 2 months ie September 2018 & October 2018 the EMI amount deducted was AED 1350.There is no consent from my side to change the EMI amount. In the begging there was a discrepancy reagrding EMI start date, but this happen due to the mistake from your loan processing team (as informed by Mr Viral (Relationship officer), but later he resolved the issue, but there was discussion or consent from side for any changes in loan terms.
At the time of signing the loan documents, I clearly discussed all the loan terms and requested about the installment start date with Mr Viral.Especially the EMI start should be 15 th September 2018 and he agreed the date and informed me that he will process the loan only after 10th of August, but the loan amount credited in my account on 2nd of August, at same moment I passed the information and requested him to make sure about the installment starting date and all other terms as per our agreement.Next day when I went through the loan terms, I found that the starting date was not as per agreement and ADCB deducted the first installment from my account in the month of August. Later I made a numerous call and emails to revert back the amount and escalate the EMI start date. At that time you have informed me that the mistake happened from the loan processing department and you will resolve the issue without effecting our terms. Finally I received the amount back on 11th August and informed me that the installment start dated has been escalated to 15 th September 2018. But I had no information about any changes in the terms of loan or no consent from my side to change the loan terms. This is what happen so far.
Now When I am calling to Mr Viral, he used to say that he will discuss it with his manager and so on. No solution from his side and unethical replies like"ADCB bank is not mine" . I am fed up with ADCB and I will never recommended this bank to anyone in the future. Kindly resolve the issue if you can...

Dear Sir/Madam
Oct 22nd I visited Al Qusais branch and submitted my request to cancel my Credit card by taking money from my FD and hence to close it.Since today 27th Oct, no body contacted me and nothing has happend with my request.My credit card charges are piling up .I didnt ever ADCB would have such a bad customer service.

Three times I contacted customer care, and they too couldnt help.Whats happening.Please do justice to the customers...

In 2013, two of the ADCB employee, and an emirati and an Indian, approached me in University, proposing an investment called Venenzula bonds five years back (2013). the conversation started where he tried to prove that ADCB investment account was better than National Bonds of Dubai. He assured me that the investment bond offered in ADCB has lowest risk and high returns .the condition was that the investment had to be done for 5 years and any change in markets, the staff in ADCB will keep me updated. Any how, to make story short. the bonds matured this August and I lost ALL MY 50, 000 PRINCIPAL AMOUNT AND I'm left with mere 30, 000 along with huge loses.

My concern was not about the investment result, but the wrong information and advice I was given by your employees.I had mentioned clearly to the employees that I'm a low risk taker and prefer investing in National Bonds, however, they emphasized that Venezuela bonds has limited risk and the principal amount will not be affected. If I kept till the maturity date, the returns would DEFINITELY BE HIGHER THAN PRINCIPAL AMOUNT. Moreover, they assured me that ADCB team are very serious about their customers and would regularly update me about the investment status and advise me the best choices, especially if the values go low. Sadly, all claims they made were merely lies .Once I made the 50, 000 investment both of the employees who persuaded me resigned from ADCB. Since then, I had been struggling with the ADCB bank in terms of update and communication, and worst of all they left me with no alternative. I was left alone to deal with this complicated procedure.

After continuous calls to ADCB, the staff kept assuring me that the investment is good and recommended me not to withdraw the amount, inspite of me requesting that I would like to discontinue with this investment . Recently (In May 2018) a guy named Thanayankeezhil, who was supposed to handle my case suggested me the same thing as to not to withdraw and wait for maturity

Unfortunately, by the time my bonds matured (August 2018), I lost my principal amount and on top of that had to bear the loses. All because of wrong suggestions and advices from your ADCB staff who are now backing off their claims. How come my 5 years investment was taken so lightly and why wasn't updated on regular basis ?.To make it worse, they changed my AED amount to USD, making things even more diffuclt to understand.

I'm left with nothing except regret and lack of support from this bank. Now I'm struggling with the withdrawal of my amount and that's itself is a hassle,

PLEASE never ever invest or open an account in this bank! This is my sincere advice