Dubai First
Reviews and Complaints

I took loan for a emergency case since my daughter was bite by a stray dog. My application was submitted last Nov.22. I got my card last Dec.10, i activate it and according to customer service after I activate it my money will be transfer to my account 2 to 3 days. On the 4th day I call again customer service to follow up-regarding to my loan.When I spoke to customer service name Michael according to him there's no follow from the team of Ms. Rashmi whose handling my account. I call her last Thursday 15 Dec. to ask what happen she told me its been process and you will received 2 to 3 days, Saturday I receive SMS that indicating my request has been process and I will receive the money shortly. I call and send message to Rashmi again, that informing my mom is waiting for the money, my daughter needed as shot again, still she make fake promises and assured that I will receive the money yesterday.Until now I didn't receive any single amount. I feel frustrated I will not going to recommend this bank again to my friend.You make people like a ball in football field and make false and fake promises just to get your commission on the client.

i was being sold dubai First moments credit card with promises of many lucrative free benefits. Few days ago when i called customer care to cancel my card because i am leaving UAE, they revealed that i need to pay certain amount because i used valet parking which was clearly communicated by sales guy (ravneet) that it has no pre-conditions. I used this free service in june while they updated this in july, 17 without giving any notice or intimation. After loosing hopes from customer service, i called the same sales guy and he again confirmed that there is no pre-condition and i should never be charged for it. I started followup with this sales guy (ravneet) eventually resulting that he is not even picking my calls now. Dubai First sales and all other teams seems like intentionally cheating people leaving customers like me extremely frustrated and unsatisfied. Dilemma is that they dont even care and just need money by hook or by crook

Ai faced an unfortunate even last year with my previous employer which left me jobless and still fighting it in court, meanwhile I have owed 110, 000 to dubai first but I had insurance on my loan however due to my court case with my previous employer the insurance couldn't pay until the ruling was out.

I was approached by dubai first from a gguy called hassan ziad to settle the loan and paid 75000 as a settlements, it took me 2 months to get someone to lend me this amount, I proceeded to dubai first then to the bank and paid the settlement in cash, khassan ziad assured me that I would get the clearance letter immediately, I was stupid to believe him. After I paid the whole situation changed, they said it will take 2 days, then I called endlessly and said he will check and call me back, of course he never did, then they all started ignoring my calls.

They are now refusing to issue my clearance letter that I dont owe them more mone.

I used My Dubai First Credit Card for gold purchase, i made this transaction after the conformation from their customer support that they can convert the billing amount to 0% EMI for 6 month.

Now I request them to convert to 6 month EMI but they Refuse. they are saying "we ca't do this, it was our executive mistake. we penalize him. I planed my finance accordingly, but I get Fcuked up because of this Bank.

I made this Transaction on 30th of oct. at 5:10 min. I make a call to Customer support [protected] and make transaction at 5.25 min.

I have credit cards from 5 other banks since last two year but did not face any issue for single dirham as I always pay on time and I have good payment record with credit check, but I just took the Dubai First Bank Credit card three months bank and faces a very bad experience.

First month billing : I did not received the statement when I called them for statement than I got to know they sent and it always come in Spam folder which nobody check. I Asked them I will pay the charges by today but should not be any extra charges for late fee as its not my fault your statement comes in Spam and the lady I called she agreed and mentioned she will call bank which never happened.

Second month billing : I did not receive the statement again neither in inbox nor any spam and I again called them but no assistance.

Main Issue : These call center people are very rude, and I got charged 250 AED for late payment without any fault from my side, and second month I got charged for 74 AED for credit shield which I request I don’t want this charge at the time of taking the card.

Experience : such a very big mistake to take Dubai First Bank credit card, I will never suggest to anyone to take this card.

I requested for liability letter 1 month ago because I wanted to close my account with Dubai First and have it payed by another bank. They told me it would take 14 working days, its quite long but i patiently waited. After 14 days I called but the agent told me It wasnt ready yet, so I waited for few more days until finally they told me its ready for pick up. I am currently working in Abu Dhabi and their collectio office is in Dubai, I asked them if they can send by courier or i can pick it up in their Abu Dhabi office, but they refused and so a filipina agent suggested an option of authorization letter on my behalf. Follwing day, that person went to their office with my letter but again they REFUSED to give the liability letter for a reason that I should personally come to collect it, and so, in short my liability letter expired because of this issue, I complained, they called me but then nothing happened. Again I requested for another liability letter and they informed me 3 working days, I constantly called to follow up but every agent has different story. they gave me a differed number to call, but nobody answered. I can say this is the worst customer service I've ever had.

I feel am cheated by dubai first credit card company. I had applied for a credit card and got one on time. However I have never been able to use it, despite calling customer support several times, it has not helped me use the card. However I am getting payment calls regularly from dubai first agents asking me to pay, to all of them I requested to activate card, tried explaining I have not been able to use the card. However no one helped. Then in feb 2016 I decided to send an email to dubai first and the mail was send as below:

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From: sent: sunday, february 28, 2016 1:46 pm
To: dubai first
Subject: re: dubai moments titanium card e-statement february 2016

Hi team,

I had escalated multiple times that I have not been able to use your card. Whenever I have tried using your card, it says card is not activated, I then contacted your customer service and they say its activated. I was pushed back and forth with no resolution. The only consistency I see with dubai first is your aggressive calling to pay for the card. This is pathetic customer service, first of they call for money, I tell them my issue and they say I will get back to you but they never. What kind of a service is this. Why should I pay for a card that you all have not allowed me to use neither provided a service. This is pathetic. If someone is reading this, solve this and take back your card. I don’t need your card

Regards

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Now after 3 months, an agent is calling and pestering me to pay, looks like they don't know what you mean by service and they say

1) pay money and use card

2) or pay money and cancel card

I requested them to send me an email with the above suggestions but they don't want to send me any mail with those details. I reminded them that they are charging me yearly fee for a service that has not been delivered despite ultiple request. This does not look like customer service but aa fraud service.

If they give 1 card each to 1000 users, don't let them use it, wait for a year and force them to pay 400 aed for a service not delivered, there itself they are making a revenue of 400000 aed for no service offered. This is atrocious day light robbery.

It seems I am not alone and the list is increasing with every passing day of people who are suffering because of dubai first unauthorized credit card charges. They behave like mafia, what ever you say they dont listen to you. My advice to every one dont believe dubai first, they are crooks

I have traveled for a month on business and missed the deadline on my monthly payment, I have been called 15 times a day plus messaging and emailing to my private email address as well as my business address, they have also called my company in Dubai and in Doha, when I received the first call I explained that I was on business in Doha for a month, I was told I should have paid the bill before I left, it should have been the main thing on my mind! Dubai First then told me I could pay in a UAE Exchange which I tried to do but because I am on a tourist visa they could not carry out the transaction, I even gave them the name and number of the person in the UAE Exchange to confirm this, I was then told I could make a swift transaction and they emailed my the details, again I was told at the bank I could not do this as I do not have a local bank account, Dubai First called me and basically called me a liar so I walked back to the bank and made the bank manager speak to them to prove I was not lying, finally after four days of total Harassment, I received a call from a debt collecting agency who I have paid, I have had one day of silence and today Dubai First are back on my case emailing me and calling me as I have a Februarys payment outstanding, they do not consider peoples situations and seen to take complete delight in total harassment!

Injustice unethical credit card charges
Complaint rating: 100 % with 1 votes
Contact information:
[protected] po box-2630, janata bank ltd, abu dhabi br, uae
Abu dhabi, united arab emirates
Dubai moments card—516100xxxx4003, issue date 11/2014, md abdul malek, po box-2630, abu dhabi,. I did not use and even not activate the card but suddenly on 11.01.2016 I got a mobile msg pay minimum 100 without any previous information. Issuing time your marketing executive who made issue the card here confirmed us its life time free card. Now its very injustice, disturbing and mental harassment for me. This is not accord to central bank service charges rules. So you are cordially requested to cancel the credit card and release me.

Dubai moments card — [protected], issue date 11/2014, md abdul malek, po box-2630, abu dhabi,. I did not use and even not activate the card but suddenly on 11.01.2016 I got a mobile msg pay minimum 100 without any previous information. Issuing time your marketing executive who made issue the card here confirmed us its life time free card. Now its very injustice, disturbing and mental harassment for me. This is not accord to central bank service charges rules. So you are cordially requested to cancel the credit card and release me.

Hello team,
I am a dubai first moments titanium master card holder
Today I called the call center, I requested to pay the full outstanding amount of the card and here is the surprise! She said that total outstanding balance is 34, 500 aed but I have to pay 11, 000 aed extra for the credit card... Whats is this? She said that this is the fact and I have to pay more than 45, 000 in total to close my outstanding balance but how come?
I did not get this information when I requested the service, I have been said that I have been given all the required information but no one told me this detail, you can confirm this in the records that I have done with mrs mona [protected] previously when I took the balance... Other credit card I pay only the outstanding amount plus 100 aed for closure fees and 1 month interest, why is it different here?

In conclusion, my experience with dubai first is very, it's the worst decision that I have ever made in my life. I really regret having dubai first card, from the day when I took it I did not see any benefits from it, agents are not professional, when I took the card the agent called the reference contact people that I have mentioned in the contract (Which are my bosses) and she has bothered them a lot and calling day and night to get dubai first card which made me in trouble with them.. Other banks they did never use the reference contact person for their business.
Mona the agent who gave me the service, she did not clarify the full details and she cheated me and passed the service without fully understanding the details, if I just knew that the closure of the service will be in such huge amount, I would never never go for it!You can double check what I write in the recorded conversations on the phone.
Now my money is ready the pay the full amount but I feel bitterness because I feel cheated and fraudulated by the unprofessional agents.
I really feel extremely bad and I don't advise anyone to go for this card even my friends and my colleagues.

I opted out for credit card insurance - but I am being fraudulently charged for it repeatedly’..

I would like to raise my concerns regarding dubai first bank’s unfair practice of activating products without rightful authorization from its customers and repeatedly charging us for the same despite repeated requests for opting out of the service.
I opened a credit card account with dubai first bank in december 2014 and placed my request to opt out of the credit shield and accident insurance services. I contacted the bank’s call center on 5th january 2015 to inquire about the bill details and placed my request to opt out of the credit shield and accident insurance services. In my january 2015 statement, the unauthorized insurance charges (Credit shield and accident insurance) were reversed to my account.

In may 2015, following an offer by one of the bank’s representative, I opted for finance-on-phone offer for 6 months. However, to my shock, upon receipt of the succeeding statement dated 22/06/2015, I noticed that the credit shield and accident insurance fees were reflected again. I contacted the call centre and after numerous attempts through an endless loop of options on your automated routing systems, managed to speak to a representative.

I was informed that these insurance charges were pre-enrolled on my account and this was part of the bank’s ‘vague’ terms and conditions. This is an unfair practice as it was not clearly mentioned on the application form and I was mislead by the executive who filled my applicable form that the service could be deactivated any time after it is billed to a customer. After I placed my request for cancellation of the service, I received a call from another representative who unsuccessfully spent about 20 minutes explaining me the ‘good and useful features’ of the credit shield and accident insurance. Unmoved by his explanations, I still opted out of the service and eventually I was told that the credit shield and accident insurance services would be deactivated on my card which also implied that since the services are refused, the charges for the same would also be reversed. Finally I paid the full amount due less the credit shied fee considering that the charges were forcefully billed to me and that the same would be reversed as I was not liable to pay for the services that I never opted and consented for.

However, shockingly to my dismay, I was again billed the credit shield and accident insurance fees and additional finance charges of aed 27.85 in the july statement as penalty for not paying for the credit shield and accident insurance fees the previous month.

I again contacted the call centre and again after numerous attempts, managed to speak to a representative named mr shanky. To my dismay and shock, the representative informed me that there was no request for the cancellation of the credit shield insurance reflected in the system. He informed that he could not cancel the insurance and also refused to reverse the charges since the charges, once billed, can’t be reversed even if they are wrongly charged to us. However he acknowledged that the same charges have been reversed in january 2015 statement. The representative informed me that a complaint has been recorded and a bank’s representative from insurance division shall contact me soon. On asking for the complaint request number, the representative informed me that the bank does not have a system to generate any complaint or request number. After waiting for a call from the bank, I again contacted the customer care and spoke to mr ajay in the night. The representative informed that the matter shall be dealt by the insurance division and he showed his inability to further help me on the matter. He also refused to lodge my grievance; and refused to divulge any bank ombudsman's contact details or any email id where in I could lodge a complaint with the bank.

Finally, on 26th july 2015, I received a call from the quality division of the bank who repeated the same things as the customer care representatives. Seems all are trained to give the same responses to the customers. The qa representative, ms neeta, showed the bank's reluctance in reversing the credit shield fees even after the services have been cancelled. I feel so cheated... I am not asking to reverse any charges that I am bound to pay... I am just asking to reverse the charges for the services I refused to accept but the bank is forcing a customer by their forceful tactics and in the garb of their vague terms and conditions to pay the extra aed 287 for the credit shield services which are non-existent... I have never seen such draconian terms and conditions!

Just because I am an expat and banks realize the vulnerability of foreign people like me that they resort to such tactics... It looks as if the banks are forcing you to pay for nothing.. Just seems like an extortion...

Dubai first is expected to follow a certain code of conduct. Transparency and the need for customers to be informed in a clear way should be a priority. The bank must treat its customers fairly. In this situation, the bank failed to exercise these values and kept charging the wrong fee despite the reversal in the first statement itself. This amounts to unfair practices and cheating honest customers of their hard earned money.

They enrolled and charged customers repeatedly for products without the consent even after the services have been deactivated!.

They also keep charging the wrong amounts despite acknowledging the discontinued services.

Their so-called terms and conditions are not at all customer friendly... And are termed in a way so as to favor the bank only. Their whole sole motive is to get the people's hard money even if it is by levying charges to the customers for those services which have been cancelled or deactivated or not opted for!

I plead to gulf news’ team for helping me and resolving this matter with prime importance given to my case. Please!

Please feel free to contact me should you need any further information / clarification

This is in with reference to false payment charged on advance amount of AED 300 which due to technical faults of CDM machine was withdrawn, but I deposited the same amount instantly through the same CDM machine

And according to terms and conditions of Dubai First bank, charges on the advance fees is 3 % of the total amount, so it means in this case it would be AED 9 but they are charging me AED 60 keeping in view I am regular user of Dubai First Credit card and the payment of outstanding is also done within due time .
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This is to bring to your notice the malpractices happening at dubai firstthey took a deposit from me for aed 1 million with the maturity of a month. On requesting for a maturity on 14 nov 2011 for aed 300, 000 and 15 nov 2011 for aed 200, 000, they delayed the same for 2 days and 1 day respectively, without any penalties. The reason given verbally was that the authorised signatory is not present. Dubai first has lost my faith and dependency and I would never again believe them with my funds, as they delay and in turn charging penalties for withdrawal of the other deposits of aed half million. I request complaints board to bring it to the notice of the readers to not to fall prey to dubai first deposit schemes. Regardstarun

Dubai First earn by misleading their clients. They won't tell you about the credit shield. You'll just know it when they charge you on your first billing. Then when you want to cancel your credit card they will charge you with 100 AED. When you make a request through their help desk, they will tell you they don't give reference number. So when you tell them you already requested for cancellation, they will tell you "we checked all your calls to us and we don't have record. Sorry!". Be careful in dealing with this Bank.