Dubai First
Reviews and Complaints

i was invited by the dubai first bank to take their credit card without any annual or monthly fees about 10 years back. it was free card from the beginning and they started charging annual membership fee 3 years back. But all the time i call them and they revise the charges .from last year onwards they are not reversing it and also they provide me a loan against credit card for 36 months.after last annual membership fee they didnt provide me a card and still they charged annual membership for the card.I ask them that how can they charge me without giving me a card and they said that i have loan on the card thats why they still ge the membership fee of 1750 aed. But they are already charged me processing fee and its interest for the loan then why are taking the annual fee also above that and they say "this is our management decision'.I also told them that either i want to cancel the card or you send me the card, and they told that i need to provide a cheque for card or pay interest

It has been observed that eversonce i got to br a customer of dubai first, i faced nothing but issues. It all started with wrong email address of mine and also no statement reaching at all. I called up and complained however, nothing was sorted for few months. I still used to make min. payments so that the card is active. Matters got worse when i got inti financial difficulties and cpuld not pay any longer. Eventually my card was blocked and i started recieving regular collection calls. I tried to explain them my isssues due to which i fell into financial cruch.

In this process Dubai first was taken over by FAB and i haven't found the right person to talk about settling the card. I need to settle the card once and for all and get on my vredit rating back to the way it used to be.

Dubai First Bank has the worst customer service ever, it looks like there is no management at all, I was assigned to a person working there to pay my settlement bills of 10, 000 drhams and fix my police case the lady whose name is Hanan ([protected]) working in this bank at Dubai Midriff uptown branch was being unrespectful, she doesn't answer my calls for follow up which I attached on the file, even shouted and hang up the phone, she even told me it's not her business anymore after I paid 10, 000 drhams, I even personally went to the bank using taxi from Abu Dhabi to Dubai but she sending people telling them she's on a meeting which is a lie, I never recommend to use Dubai First bank even for my enemy.

My credit card is supposed to be replaced this month as its expiry is this month 9/18. I rang them and informed them when will I receive my new card and has informed me that I need to initiate that and pay them AED 100 plus TAX. Their agents on the phone are useless talked to this guy Rolando or Ronaldo? he seriously talks like a robot and every response I get from him sounds like he's really unhappy doing this job.
I admit I asked them to close my account last month because I am unhappy with their services and they phoned me and I got convinced to keep my account since FAB has bought them and assured me services would improve. Ugh! Terrible terrible bank!
now I need to wait for 4 biz days to get a replacement of this card and pay GOd knows how much cos they love overcharging their good payer customers.

Dear Team,

I am very upset and disappointed the way your staff speak to me over the phone, very unprofessional and did not even think if I am in a middle of a meeting, conferences, always talking on the top and don't even care what is my answer, he just gives you threats and negative energy all the way! I will not tolerate this kind of customer service behavior...we are all working here and I am expecting everyone to act professionally, have manners, and respect. My issue is the delay in our salaries, its been 5 months now and as I mentioned I need a settlement to cope up with my fees and expenses. I am very willing to pay but my company hasn't released our salaries yet since they are waiting for a deposit from the investor. And now i manage to ask for cash to pay the minimum of my dubaifirst account, and this guy Amila let my nerves explode and gave me negative energy the way he approach me. Please i am expecting a good service, good manner, professionalism and RESPECT from you.

Hi,
I had availed an easy cash loan on 14th February 2017 (AED 35000/- for three years - EMI of AED 1143.72/-)
To my surprise, when I got the first statement of accounts from Dubai First, there was an additional charges of AED 325.27/-
I approached the customer care of Dubai First and was told that it is an insurance (First Secure) and it will be active only when there is a transaction on my card.
(They hide the same while communicating with me regarding the above-said loan EMI)
I had requested to cancel the same and refund the amount since I neither request any service nor any service provided by Dubai first for the said amount.
I got a reply that the amount has to be paid before the pay by date; their management will decide in this regard and later the amount may be credited back to me.
I paid the same, hoping a prompt and just action from the company.

But I was startled when I got the second statement with a First Secure Charges of AED 316.41/-
At this instance, I talked to their customer service and asked for the complaint manager's e-mail address and very clearly declined by the executive.

I continued to pay the EMI very promptly till date. But too dissatisfied with the transaction.
Highly appreciable if you can return the amount that was collected without any justification.

Ajith GK
[protected]

My credit card from Dubai First was used in a fraudulent transaction in the USA as I was in the UAE in July 2018.
The amount which was stolen was around AED 8, 000 and now Dubai First, after I have done a transaction dispute, has stated that the merchant from the USA where the transaction was made, has sent the transaction information which states that the credit card which was used was mine and I am liable for the payment of the fraudulent transaction.
I assume that the card was cloned as I was in the UAE and the card was with me at the time of the transactions so how can I be responsible for this?
Mastercard simply states that it is not their responsibility since the financial institution's responsibility in these situations.

Can someone please help!

I would like to raise my concern regarding Dubai First's practice of activating products without rightful authorization from its customers, and repeatedly charging us for the same, despite repeated requests to opt out of the service.

I was informed that the 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 neither was explained by the sales person. Later, I received a call from another representative, who unsuccessfully spent about 20 minutes explaining to 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 fees would not be reversed.

I again contacted the call centre and after numerous attempts, managed to speak to a representative. 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, could not be reversed, even if they were wrongly charged to us.

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 and willing to loose customer just for little amount.

I had requested to reissue my card as it is in a blocked state at the moment. The customer care had new new requirements each time I followed up, finally when everything was fulfilled then there is no reply, no update. Their call centre is hopeless, they can do only postman job- just taking our message and pass it on to their so called concerned department. What kind of a customer service is this? Really dissatisfied!

I have a credit card which I have been paying for over the last year and recently came across urgent challenges in my home country which needed my immediate intervention. This has prevented me from making my usual monthly payments which I had been making towards my credit card.
Now I have requested for a payment restructure so as to meet or make the minimum payment which I can afford. I spoke to a certain Mr Siddiq from collections and when I informed him I needed to restructure my payments he told me to come into any branch of dubai first to submit my forms after the 21st of July 2018. On the 22nd of July I went to the Dubai First branch in Burjuman where I was told that I was at an incorrect branch I should go to Mirdif branch. Mr Siddiq failed to inform this to me, I would have gone directly there as this branch is next to where I live.
Upon leaving burjuman branch I received a call from Siddiq informing me to come meet him at the Mirdif branch and I told him I would definitely come in the afternoon the following day as I have to be at work early morning.

Next day on 23rd I made my way to Mirdif from the office and on the way I kept calling Siddiq to no answer, only at around 5:30pm he answers and I inform him I'm about to reach to my surprise I must only come the next morning as the managers not available I think he mentioned.
Next morning I start there early, 9am I'm there. I call him and he does not pick my calls. Spent more than an hour waiting at the foyer for him to reply back. Only for him to reply late afternoon and requesting me to come the next day. So indeed I went back the next day and when I got there imhe informed me that actually he is in a meeting and He then referred me to Saher Khan whom he said I should meet whilst waiting for him. She indeed took all my documents and details for processing. There I was believing after all these run around I had been assisted. Siddiq eventually came, so now I was being assisted by two representatives.
Which I was happy/relieved with.
I signed everything and submitted the necessary documents for the payment restructure and was to wait for a response.
A few days passed, then one week, follow up and no reply. Two weeks, 3 weeks passed and still no word and no reply from Siddiq's number. I sent him a text on WhatsApp and his response was that my application had been rejected. So I asked why. He replies Saher Khan will give me a call and explain. And I requested her number so I can do the follow up myself. When I called her no one was picking up the land line and days went by still no answer even after leaving a voice mail.
A week later I receive a call from Saher asking me when I'm going to make the outstanding payment. I asked her what was the reason my application was cancelled she told me she doesn't know where or what happened to my forms and the application was already passed the due date etc...I was appalled by the manner at which the banks representatives handled this whole situation. I did not face any challenge with CBI and I have already made the first restructured payment and both applications were submitted together around the same time, yet Dubai First keeps giving me the run around and keeps harassing and abusing me with their threats of legal action meanwhile I am the one who voluntarily walked into their offices requesting the restructure so as to have a clear credit record. It seems they are unwilling to settle this matter. And continue to send mails and sms' of legal threats. Now they are threatening to use the very Cheque I made for the payment restructure against me. This is abusive of clients rights to pay, and misusing the very Cheque I had made for a payment restructure is ABUSIVE AND DECEITFUL.

This bank is not transparent, it is deceitful, and abusive towards its clients.

DATE OF INCIDENT AUG 2018

My Credit Card ending 5161xxxxxxxx4000, Shivani Thapa, I have applied BT of AED 25000. I was informed about the Interest rate + Processing fee which I agreed on to process this in month of July. However today when ireceived the statement there is Accidental & general Insusrance charged for AED 332.

My complaint is to the department that how can you do thi sto a customer as why your consultant did not inform when he was informing about all charges. Why this was kept hidden.

Yesterday when I called customer service for cancelling and waving. they said while signing the application, this clause is there. I never signed anything so how can you say that.

I just made full pmt to avoid any late charges but I want reversal asap of the pmt of insurance which I was never informed, how such charges can be automated. Its considerable amount of money, hence pls proceed with waiver asap.

I need details investigation and I not happy the things have been handled.
Thanks
Shivani Thapa
+[protected]

Dear i settle my account balance but i surprise that early closure charge ask me to pay the full interest rate for 4 years 48 installments 609 aed monthly, no one told me that early settlement needto pay the full interest rate period really this very inacceptable kindly find me a solution to stop paying unutilized credit amount .

Dubai first platinum
MasterCard
[protected]
jalal mohamad

o563431351

I had never even heard of this bank up until 2 weeks back when some goons they have hired in India started harassing me and my family with incessant phone calls regarding an outstanding payment of one of our distant relatives! The gall of these people to call us up from different SIM cards at all odd hours of the day, abusing us when we have never had a card or an account with this bank and do not even reside in the UAE.
If this harassment continues, I'm going to have to create a furor on social media about this bank. I am not responsible for loans/outstanding payments taken by relatives and friends. Dubai First better instruct their loan recovery agents to leave my family and I alone or face a serious [censored] storm on social media.

This is about a phone call I received to make a credit card. In couple hours two guys visited me to take my information and all paperworks. I was told we weee waiting for my latest salary to be transferred and the cars will be there in couple days. Since the salary transfer I called and wrote to the guy who supposedly was going to do my credit card called USMAN ABID. And no news, he don't even respond to any messages or nothing since. And also be careful that when I was approached on phone he told me he was calling from FAB BANK. But then said I was receiving a DUBAU FIRSTcredit card. So between lying and scam just to collect information and data about myself there was no card. So I'm now making an official complaint! BEWARE

Please noted that Ms.Jane called me an indian lady called me with mobile number [protected], [protected] [protected] ...she shouted on me because of the1 month late payment even i explained to her im waiting for my salary and i had an emergency but suddenly she started to shout where is the payment...you have to arrange and keeped herself very rude with me.The bank must teach your staff /agent which are working in to be very kind with the customers they can talk with me in a polite way but jane spoked with me like I am a criminal.
I need from customer service and the management to solve this problem I was insulted and scorned as a customer .

I'm from HR department and one of our employee have some obligation with the institution. They calling me very regularly asking if the salary is transferred. That's fine. I understand they want to get back the money. But today the person name Mark ([protected]) behaved very badly. He called our employee fraud and suggested to fire this person or pay back her loan. When I ask him to be nice and do not call this way people he start acting like crazy. Laughing, calling fraud, raise his voice... I hang-out. This is not normal. They should execute the obligation with employee or if they need information from us, at least behave with a good manner. I will make sure to not issue any salary certificates to Dubai First. Horrible institution.

I have requested for my card cancellation three weeks before and verification has done. Now they are asking me to provide the visa cancellation proof. Can you tell me why should I provide such document.

Its my wish, I don't want that card. The Customer care has no use to call. Every time they are giving different information.

Please call me for the issue
+974-[protected]

My name is Nerses Keshish Ojli please noted that mr. Amila Nishad called me with mobail no.0564183735.. And he shouted on me.. And keeped himself very rude with me... Because of the late payment even I explained you that still I am waiting the salary but suddenly he started to shout... Where is the payment... The bank must teach the people which are working in to be very kind with the customers they cant talk with the costumer in this way mr amila spoked with me like I am a criminal
I need from customer service and the management to solve this problem because I was insulted and scorned as a customer

Dear Dubai First,

My name is Gibran Ali Hussain and my contact no. is [protected]
I have recently activated my Dubai First Card No. [protected].

I was charged Dhs 338 plus Dhs 17 VAT for Credit Shield Insurance. On speaking to the customer care representative Chiz, I was informed that I should have looked at the application form as this was mentioned there.

I feel that this is cheating on Dubai First part who make consumer sign their application form and do not even give a copy to the customer.

How can you expect the customer to remember and cancel the request for credit shield when we just sign and do not even get a copy of the form or agreement. Also, this is not conveyed by your salesmen. I am very unhappy by this unprofessional attitude. I went through a similar experience with another bank and they refunded me easily, for the current month.

I want to request a refund for this as I am not happy with this.

I always paying my credit card on due date time not exceeding on due date. Last month my due date was April 12, 2018 (this is a payment for the month of March)and I paid on time. When I received my statement for the month of April I found that there's a late payment fee mentioned I paid my statement on April 15, 2018. When I checked the receipt of my payment I paid it on April 12, 2018 which is the due date time. Please can someone explain why there's a late payment fee and why its appeared in your system that I paid on exceeding due date which is I paid it on time.