Bank Islam Malaysia
Reviews and Complaints

First and foremost, I'd like to clarify that I'm not writing this to humiliate anyone. The intention of this complaint is to motivate certain individuals to improve their attitude and work ethics.

I went to Tampoi, Johor Bahru branch to apply for a supplementary credit card that is very crucial to be used by my daughter for her trip. It is needed for car rental company which is very particular about it. I made the application 1 month prior to her departure, which theoretically should be adequate for the procedures to be done. I was told by the officer in charge that it will take for at most 2 weeks for things to be settled on my first visit. However, on the third week, I did not receive any calls from the branch, hence I rang the HQ to know the status of the application. It was very frustrating to know that the HQ has not received any application from the branch. I went to the branch and the first officer that I initially made the application with tried to brush me off by saying "he'll call me later, just go home first" repeatedly.

I was lucky that the second officer was being very helpful and she mend the mistake by providing a very helpful follow up. I got the credit card in within 4 days, had to collect it in Kuala Lumpur HQ. However, I encountered another obstacle- can't activate my supplementary credit card as it was registered under a renewed principal card (current principal card is dated to expire in 3 months time) that has not been delivered to my address (bare in mind, nobody notified me regarding this issue prior to the event). So basically, I have a credit card that can't be activated prior to my daughter's departure.

I know there are so many unforeseen circumstances that is out of anyone's control, and I'm not expecting things to be perfect. However, looking back at this, if only, if, the application was initially submitted accordingly, there'll still have time for this issue to be fixed. All bookings and payments have been made, however due to this carelessness, we'd have to spend unnecessary amount of money towards transportation, last minute changes of plan has to be made, unnecessary multiple phone calls, and time- lots of time was wasted.

I hope all of us will be able to take our job seriously, there's a lot of room for improvement in terms of work ethics, learn to be responsible, be dutiful, and reliable. I hope this will not happen to anyone else, and please upgrade your standards on your staffs and the system.

Saya dapati bank islam melakukan potongan berganda dari akaun simpanan ke akaun pinjaman saya dalam bulan yang sama iaitu 17.10 2019 dan 19.10.2019..sedangkan akaun pinjaman saya masih mempunyai pembayaran pendahuluan cukup untuk pembayaran sebulan lagi. Apabila menelefon khidmat pelanggan saya diberitahu untuk ke cawangan terdekat di mana perkara ini menyukarkan dan menyusahkan saya kerana cawangan tersebut agak jauh dan saya perlu minta cuti untuk menyelesaikan perkara ini..sedangkan bagi saya kesalahan tersebut adalah dari pihak sendiri.jadi saya mohon agak wang saya dikembalikan dalam kadar segera tanpa perlu ke kaunter kerana duit tersebut diperlukan untuk komitmen lain . Tanggungjawab pihak tuan amata saya hargai dan dahului dengan ucapan terima kasih. Sekian, harap maklum.

I have visited Bank Islam Malaysia, Putrajaya Branch for Dispute Transaction on 14/10/2019 at 1.30 pm. I have waited for almost an hour to be attended but the officer that I am waiting for did not come. I lodged this complaint for future and better enhancement in banking journey with Bank Islam.

The bank should not appoint one person only to handle the case. They should provide replacement for the person which take a break/leave. So that, customer wouldn't wait for long time.

As salam.saya salah seorang pelanggan Bank Islam.pada 3 october 2019, saya cuba berhubung dgn bahagian collection.semua nombor yg dail masuk terus ke answering machine.saya terus mencuba selama sejam ttp msh x dpt bercakap dgn seorang pun pekerja bank islam.bila saya mendail nombor DIRECT LINE collection centre, seorang lelaki menjawab call trsebut dan terus memberitahu semua pekerja sedang dlm LUNCH BREAK.adakah ini servis bank islam?bla mahu pelanggan membayar, sehari sampai 8 kali mereka call.ttp bla pelanggan perlu bantuan, mcm2 karenah yg bank islam bagi.

Jam 2.30 pm tarikh 13.09.2019 tadi seorang promoter bank islam, seorang perempuan call sy utk offer insurans baru. Sy sudah katakan tak nak ambil insurans tersebut, tetapi paksa juga utk ambil. Dua tiga kali sy tolak dan cuba memberi sebab. Yang tak tahan boleh siap perli2 pulak tu. Macam ni ke service bagus korang?Promoter tersebut juga tak nak langsung bagi peluang utk sy bercakap. Kerap memotong ap yg sy nak katakan. Perbuatan ini sgt biadap. Seems like promoter korg ni diajar tak bagi peluang lgsg kpd pelanggan utk bercakap juga. What kind of service is this? Klu pelanggan dh bagitau taknak ambil offer jgnla memaksa. Terima hakikat org taknak. Cuba faham bahasa sikit. Sy rasa tak perlu lgsg service offer insurans by phone ni. Menyusahkan. Mengganggu orang lain. Sgt annoying. Nasib baik la ada pelanggan nak juga angkat call layan ramblings korang. Kalau tahu no bank islam mmg takkan angkat lgsg. Ingatkan no emergency lain terpaksa la juga angkat. Just learn how to try to accept your customer's opinion.

Assalamualaikum, sgt kecewa dgn pengurusan bank islam, sy hanya minta utk emailkn kepada sy release letter utk settle loan kereta sy pun susah. Dah request dari mggu lepas lagi. Dh 3 hari bekerja pun. Call berkali-kali dekat AFC dan bank islam cwangan kuala terengganu, tp tak berjawab satu pun! Serius kecewa dan tak mengharap akan ada apa-apa kaitan lagi dgn Bank Islam. Terima kasih!

on 23rd of August 2019, 12-something-o'clock, i called the customer service line in hoped of gaining some insight about my concerned of takaful product that Bank Islam joined venture in. The person sounded like she was in a rush and always tried to end the conversation even though i have not been assured of anything. When I always want to add in more question she tried to cut it fast and end the conversation. Please always listen to the questions and answer slowly and carefully. If people don't have concerned or problem they won't call you. SMH

Greetings. (22th August 2019)

I am writing about an experience i had recently with Bank Islam. I came with a complaint of report of a Bank Islam account associated with scam. As i was explaining my ordeal/misfortune, I find that the staff that was handling my case as well as all the other staffs behind the counter were smirking and laughing as I was explaining. I hope you understand that a person's misfortune isn't something to laugh at.

You may think I am stupid to have been fooled by a scammer. But let me put things into perspective. Being scammed can happen to anyone. It doesn't reflect the victim's intelligence. I have done lots of online shopping. Unfortunately, this transaction happens to be a scam. I am the victim. You should help me. Not make things uncomfortable for me.

You are Bank Islam. The staffs were Muslims. Don't misrepresent what being a good Muslim is all about.

Thank you and regards.

Assalamualaikum,

Sekitar jam 10.15 pagi tadi saya tiba di Bank Islam Masjid Tanah, Melaka untuk mendapatkan salinan penyata akaun Masjid Saidina Umar AL Khattab, Kg Lendu, Alor Gajah. ( Saya adalah Setiausaha masjid berkenaan.)
Bila sampai ke mesin nombor, saya mencari butang " Penyata Akaun" tetapi memang tidak ada. Saya lantas menekan butang " Perkhidmatan Lain". Selepas dari itu baru dating dekat seorang lelaki berbaju hijau, yang saya agak pegawai bank ini. ( Sebelumnya dia bersama seorang wanita lain dan saya mulanya sangka lelaki ini juga seorang pelanggan. ). Jadi untuk kepastian, bila saya rasa memang dia pegawai bank ini, saya bertanya samada butang yang saya tekan itu betul atau tidak.

Jawapan yang diberi agak menimbulkan rasa kurang senang saya. Saya kira kasar bahasanya.Dia menjawab, " Lain kali tanya saya dulu ". Tersentap, saya lantas menjawab " Kamu tak pakai name tag, manalah saya tahu pegawai ke bukan".
Dia jawab lagi, " Saya kan ada di sini, tentu boleh kenal."
Saya jawab semula, " Saya bukan hari-hari masuk bank ni, manalah saya nak kenal".

Untuk kebaikan imej Bank Islam, saya ingin mencadangkan 2 perkara berikut:0

1) latihlah setiap kakitangan bank, terutamanya yang sentiasa berdepan dengan orang ramai, supaya membiasakan diri menggunakan bahasa yang elok. Apatah lagi ada perkataan "Islam" dalam nam bank. Misalnya, apalah salahnya tadi kalau dia cakap, " Minta maaf Pakcik/Encik/ abang, sepatutnya tekan butang "Perkhidmatan Kaunter" tadi. Mudah sahaja dan tak rugi satu sen pun. Orang putih cakap, " a little bit of manners goes a long way!"

2) Pastikan setiap kakitangan yang berdepan dengan pelanggan sentiasa memakai tanda nama di baju atau di gantung di leher. Senang pelanggan nak kenal pegawai atau bukan.

Terima kasih.
Wassalam.

16/8/2019 (9:40pagi)
Seorang staff yang bernama asma yang memakai mekap dan duduk berdekatan dengan pintu masuk bank telah melayan saya dan adik saya dengan biadap ketika saya menanyakan soalan mengenai pembayaran yuran pengajian ipt. Segala pertanyaan saya telah dijawab dengan biadap dan dia mengajar dengan marah. Terdapa beberapa orang juga telah melihat kejadian tersebut dan tidak berpuas hati dengan cara staff tersebut.

On 13/8/2019, time roughly 11.00 am
For opening SSPN account, officers claim "line slow". This is the third time we came, previous also the same reason. When calling also same reasons. But, When walk in to Maybank, we can open the accounts. The question is, i believe all banks are sspn agents. Should be if one agents claims "line slow" should be all agents face the problem. In this matter bank islam only "line slow".
Also "kerani", woman at counters (middle) no have manners. She's complaining about my sisters university saying that university is not good (my sisters pay for university fee at that time). The "kerani" is strangers for us and she have the guts to say something she should not say .

On 07/08/19 I called customer care to enquire about personal loan.I have mention earlier that I am working in private sector and the staff advice me to walk in to apply for loan. He also provide information on basic interest rate. There were no salary requirement provided on their website neither the staff inform when I called. I when all the way to bank which was 10km away during my lunch by grab which took almost 35mins in traffic jam. The staff at bank then informed on the salary requirement and it was a waste I went all the way to bank to apply personal loan. I hope in future they need to will provide basic requirement informations on website and train their customer care staff well and provide full knowledge on products so that they don't waste people's time. Time and money are precious where I wasted 1 hour and grab money, meantime I could reach other bank and settle my application.

I don't get it. Why staffs ask so many questions just because we want to open account. Seriously the way you treat us like we are criminals.

We want to create account for our own reasons. Do we need to tell you everything A to Z.

One staff there tell my sister that once you create saving account people cannot bank-in into your account. Is that true? So my parent cannot bank in to my sister and vice versa?

Dissapointed with BIMB.

Dear all,

Saya pengguna bank islam account, saya nak buat aduan mengenai charges bank islam dalam account saya, saya dapati account saya setiap terimaan duit masuk dan keluar akan di charges oleh MOB Allert charges, saya amat tidak berpuas hati kerana setiap kemasukkan duit dan pengeluaran duit akan di charges sedangkan saya dapati penguna lain tiada sebarang charges dikenakan. Saya akan mengambil tindakkan terhadap bank islam dan saya akan keluar dari account bank islam. Tq

For my feedback lah kan, sila ajar pegawai anda utk menghormati pelanggan.Even mau jual insurans tu tolong lah terima ", rejection" customer tanpa mendesak utk tetap menerima tawaran insurans .anda membuat pelanggan menjadi sangat "annoying"dengan desakan demi desakan yg dberikan even sudah ditolak..and please respect our personal time..we need our own personal time without annoying force by ur staff..tq

Staff bank islam collector biadap

Saya telah menerima panggilan telefon dari pegawai bank islam kuala lumpur pada 19/6/2019 jam 11.30 dan kenal kan diri sebagai nurul ([protected]). Dia memberitahu saya ada tunggakan pembiayaan sebanyak sebulan. Saya menjelaskan padanya saya akan membuat pembiayaran lumsum pada 27/6/19 berikutan gaji saya baru masuk. Tetapi dia berkeras dan mengugut berkata 'puan masih berminat lagi tak mahu buat pembiayaan dgn bank islam?", saya cakap awak nak paksa saya sekarang pun saya memang tak ada duit. Walhal selama ini saya membuat pembayaran cantik sahaja. Please consider 8 hari lagi saya akan buat pembayaran tetapi dia mendesak mahu keluarkan surat lawyer. Bank islam please train your staff, I will not take any loan from bank islam anymore. Nama sahaja bank islam tetapi staff tak professional dan mesra pelanggan.

NAME : MOHD HAREEZ BIN HAMZAH
CTC NO : [protected]
I/C : [protected]

INCIDENT DATE : 24th May 2019

On 24th May, i received text from bank islam stated my credit card application is successful but the delivery address is to my hometown at terengganu while im staying at KK sabah. Despite numerous call to customer service, the address hasn't been change.

I have made 5 calls regarding this, and last week Friday 7th June, the agent inform me that the delivery status might be slow due to raya effect, delivery address was correct which is my current address at kota knabalu and i should be received the card by this week ( 10 - 14 June )but today, still didn't received any mail. I called again today to check the status, the agent told me the card is delivered to my hometown Kuala Terengganu. Why is it being mailed over there while im staying in kota kinabalu, whose gonna use it ?

For your info, i apply the credit card together with personal loan application and i have brought this issue to the person incharge of my personal loan and she said that the address has been changed to my current address at Kota Kinabalu. Today, i contact her again and she said, she has done her job in changing the address previously and doesn't know why it happened like this today.

This really upset me despite numerous call has been made by me to your customer service in checking the status and confirmation of the delivery address. I really don't know which part of your system made this simple delivery jumbling up and why the customer service representative is making difference excuses when i ask about the credit card status. If your bank doesn't want to give me the card, its ok, just inform that the application was unsuccessful but don't give your customer a false hope.

Person in charge of credit card & personal loan :

Name : Nurajana
Ctc Number : [protected]
Branch : Kota Kinabalu Branch

I have been calling Bank Islam([protected]) to reach for their advise and help since 19/03/2019, I was told to call another staff(collection dept) with a different number, however no one was answering([protected]) the phone. On 20th March I have made another phone call [protected]), I was told to call [protected], and did call this number around 1455-1500 H, however no one answered. I am very disappointed with the staff responsiveness and willingness to deliver the service promptly. I would like to know the reason for my salary being hold, I would like to inform that this attitude of the bank holding the salary of their client is putting the client into other problems and unable to pay other bills, please kindly inform the client if you are planning to hold the salary and please verify the reason for my salary being hold so long.
Please do call me at [protected]
Sathiawathy Selvarajan
Thank you for your cooperation.

Pada jam 9.30 pagi saya ke Bank Islam cawangan Jalan Sultan Ibrahim Kota Bharu utk mengaktifkan balik akaun simpanan saya beserta permohonan kad ATM yg baru.Staff lelaki yg bertugas d kaunter pertanyaan d hadapan pintu masuk mengambil IC saya dan menyuruh saya menunggu sebentar.Beliau membawa IC saya ke meja staff perempuan d hujung sebelah kaunter.5 minit kemudian staff lelaki tersebut dtg kembali dan memberitahu saya akaun saya perlu d aktifkan d cawangan asal (Cawangan Lundang Kota Bharu).Saya tanya kenapa perlu ke cawangan asal sedangkan skrg akaun boleh d aktifkan d mana2 cawangan.Staff lelaki tersebut memberitahu saya memang tak boleh setelah beliau merujuk kpd staff perempuan d meja tadi.Saya pun ke Cawangan Lundang dan tidak sampai 5 minit nombor saya d panggil ke kaunter 2 dan tidak sampai 5minit akan saya d aktifkan kembali.Masalahnya skrg kad ATM yg baru tidak boleh d keluarkan kerana saya tidak membawa salah satu dokumen seperti lesen memandu/surat beranak asal atau sijil nikah.Kenapalah masa d Cawangan Sultan Ibrahim tadi tidak memberitahu dgn lebih awal dokumen yg perlu d bawa.Kenapa saya perlu ke sana ke mari.

Hi there, I reloaded RM50 through online banking payment method on Celcom app yesterday night. RM50 have been deducted from my bank account but I do not receive the credit yet. When I reported this problem to Celcom, they asked me to consult my respective bank. So may I know what had happened? The Celcom said no transaction were made in my number. I checked my Account History in my bank account. It stated there the transaction was made and RM50 was deducted but I don't know why I haven't receive my credit yet. Celcom said its the bank not them. So do not direct this problem to them. Celcom said NO transactions were made to them. below is my transaction details

25 Feb 2019 : Reference Number : 3012491
IB FPX (DR)-SA TO GL
[protected] C201902254562245
CELCOM XPAX

-MYR 50.00