Emirates Islamic Bank
Reviews and Complaints

I have a personal finance with emirates Islamic bank for four years, All were good until July 2020.I completed all my EMI payment on October 2020 and I wanted to close my loan. But when I checked my last statement it is showing 2 EMI is pending plus late payment fees. Then I went through my statement I found out one payment is not reflected in the month of July statement (Luckily I kept the receipt of payment) and they charged AED 200 as late payment fee for the sam. So I called customer care they advised me to visit any branch to solve the issue, So I visited their branch, But the customer executive asked me to call collection department as he is helpless to solve the same. Then I called collection department but they are telling that your account manager will give you a call back today to discuss this issue, But no calls from account manager as I requested multiple times for call back, Later I visited the branch and explained him that collection team is not responding for my query. So he advised me to visit Tanfeeth branch(Collection and recoveries in Nad al Shiba). Customer executive from Tanfeeth advised me to contact collection department. I told her that I am trying to reach them for the last one month but no response. Then as I requested she provided me my account manager name and direct number so I can speak to her directly and solve this problem. Since that day I am calling the same number and no response yet. So I called collection department again now they asking me to visit the branch again. I know branch team would advise me to visit Tanfeeth or call collection department and this process continues...

Customer is not aware as to why the bank has deducted the amount of AED 264/-.
Bank has been asked to give the entire break up of loan but
no response from the bank
though customer has visited the bank several times

Related to loan amount settled from end of service settlement.
But yet the bank auto system deducted the loan amounts (auto and personal loans) for two months inspite of loans cleared in June itself.
Now after a months the bank has reversed part amount.

This complaint is to ask the bank to get back to me by giving me the entire breakup of the loan calculation so that I as a customer can understand the deduction from my account.

Since my money is with the bank
That does not allow the bank to make deductions without my knowledge.
I require proper justification immediately.
This matter is pending for over a month now.

I had contacted emirates islamic bank since 2018 for mortgage release and paid fee for mortgage release. Unfortunately, its become my yearly task to follow up with emirates islamic customer service for the car renewal time and nothing happening. Every time branch will inform "already send electronically to police department" and police says " its not received.

I started an account with this EIB in Al Ain Town center branch and the process was smooth. I still didn't receive my account number and debit card and was informed that i would receive it by Post. This is when the problem started. I received a message mentioning an authentication number and it said, if i did not make the request for authentication number then i should inform the customer care. I called the customer care but they needed my account number or debit card number to start talking to me and i still hadn't received it by post. After 3 days i received the debit card and when i tried accessing the online/mobile banking account, it was showing that the account is already registered for online banking and i couldn't initiate the online account. NOTE that i received the account details and debit card only on the same date i tried opening the online and i hadn't received any email from EIB. I raised this issue to customer care over phone and the guy talked was as if he just got up from sleep. He told i have received a welcome email with username and password for online account, which i hadn't received and at last i had him take down a request to delete my online account in order to create a new one. Following that, i rang up the customer care again and a lady there confirmed that the email is sent, while when i asked her to which email they have sent, she mentioned a yahoo account. I don't have a yahoo email and i had mentioned only my gmail account to the bank while opening the account. ISN'T IT A SECURITY ERROR. My details would have been compromised, if someone else have received the User name and Password in the welcome message. This was surely the mistake from the guy at bank who entered the details in the bank. I informed her to update my email in the system and delete my online account as i suspected fraud. This is where it gets interesting. After 2 days as assured, i received a call from customer care to visit the branch in order to delete the online banking as they couldn't do it from their end. Now, i took time-off from my work and went to bank to ask it to be deleted. The customer service Rep Mr. Hany Lotfy from Alain branch was acting irresponsible and arrogant. Without mentioning any previous issues, when i raised my request to delete my online account as i had updated my email, the first answer was to go to the machine and do it yourself. that was my request and he didn't even hear my request as he was busy texting on phone. When i told that, i had to delete the online banking, his next question is don't you remember your username and password. Its not the question he asks, its the way he asks, while checking his mobile and texting someone on phone and with a arrogant tone.
I FELT I WAS DISCRIMINATED AS I AM AN INDIAN. The tone, the attitude and the body language- none of this was right and i didn't feel comfortable there. I was not expecting that from that guy and didn't knew he was the BOSS of the bank. Customer service is to serve the customer and not to make him feel not to have the service again. I was planning to change from another bank to have my salary transferred to this bank. Well that's PAST now; with this kind of worst attitude from an employee, i can picturize what i would face from their higher management, if i really have an issue.
With the one worst gesture of this employee you proved what you are and what values you give to your customer. The other employee who entered my email account details was sitting next to this guy and never even acted upon nor took over the issue understanding it to be his mistake.

Since beginning of July 2020, I have sent several emails to collections team along with follow up calls for a request of restructuring my loan as I have a 50% paycut. The team from collections or who ever is in charge has never bothered to respond to me as a customer to help my need. All I get is system generated SMS asking to submit my documents for prove of the same, I have submitted the company deduction letter and not even received a single call, I have tried to find out who is handling my account but all in vain. Can soemone help me please or I should I highlight the un-satisfactory service to gulf news?

I don't own any credit card with this bank. However in June I received an email and text that a payment for a credit card is due, 6.25 aed. I knew it was wrongfully addressed because it even listed my location in Ras AL khaima yet I live in Dubai.

I ignored this, and then on this month, I received another text and email saying the card has incurred interest, annual fee and credit shield and now the payment is 625aed.

Getting in touch with the bank is near impossible. How can the bank take out a card on my name, the customer service agent keeps asking me to provide the card number... How can I provide it if I have never seen this card even?

He says the card was taken out in 2016 and I am being charged annual fees. Who took it out? Where is the card? What happened to annual fees from 2016, 2017, 2018, 2019? All of a sudden in June 2020, it has a 6. 25 aed charge and a month later, fees make it to 625 aed?

I need answers.

[protected]@gmail.com

Please I have received a notice that my account has been sent to Hadaf Al Khaleej,

Please I lost my job in January 23/01/2020 as my contract with Deira International School was terminated.

The email I sued for my account was my work email. My Emirates Mobile was [protected]

As my contract was terminated, I do not have access to this email. My UK number is [protected]..

I informed my bank and managed to pay for January instalment.

In February, I called from London to defer my loan payment.

In March, I called the call centre to ask for deferment again as I do not have a job due to the COVID 19.

I left my foreign contacts and mobile number for dialogue.

Now, I have found a job which starts in September 2020 in UK.

Please I am pleading if I can be given some grace period until end of September when I can start sending money from UK to pay for my loan.

Secondly, I cannot pay the instalment of 10, 470 Dirhams monthly instalment as I would not be able to make ends meet.

I am wondering if I can renegotiate my loan instalment from September 2020.

I hope to hear from you soon.

I paid my two credit cards before their due date of 4/4/20 amount being to one card 3, 000dh and one card 800dh. I have evidence I paid and have sent 4 emails. I have called numerous times . I am harassed daily by your automated calls and sms

A new amount is due tomorrow but how can I be confident to pay when 3, 800 is gone missing ?

I have completely lost my faith and confidence in Emirates Islamic Bank.

Card numbers :
[protected]
[protected]

Please contact me urgently on [protected] as I think I have been patient long enough!

Regards

Jessica Griffin

Dears,
I was out of U.A.E, I left dubai on 26th December 2019.
There was salary in my account I made transaction at airport to withdraw money and there was some balance around AED 700/-
After coming back when I visit ATM for transaction it showing insufficient balance.
When I check Mini statement there were unknown transactions and date showing when I were not here.
I need assistance how can I recover my money?
Thanks,

I had made a payment of AED 1000 from my account with Emirates Islamic Bank, to my prepaid card Etihad Wallet plus on Dec.04, 2019. Until today Dec 10, 2019 the payment is not credited. I had made repeated calls and informed there call center of non-payment and late a complaint REQ 1-[protected] was registered on Dec 09, 2019, but no action has been taken, I request the team to facilitate early recover of my money.

I went to withdraw my cheque in the Bawabat Mall Branch. Teller Musab local guy has been very rude with me. He messed my cheque with red pen so I can't deposit my cheque to other branch. I complain manager there. And manager was fare and he talked to Musab and the Teller was giving zero respect to manager even he asked him to behave. This cashier has disrespect many times to me since I use to go this branch it's nearby.

He treated me like that if you ever have trouble with local it's probably your fault. I am feeling so much insult that he treat customer as per Nationality wise. If you are Asian you have no value.

I tried to call 600599995 this number to Complait but there is no option to press to speak with Bank or any higher management

I need justice on the description and treating me very badly infront of customer and manager was so poor that Musab didt listen to him.

Plesee see the attached cheque how he messed with red pen. Now other bank not accepting this cheque
If there wasn't sufficient balance then why Teller has put the cheque marks this was मत question to him and then he showed his angry behavior on me

I hope still justice is in UAE
If still I see no response then I will tweet this msg on Twitter with to local authorities
Here is my email [protected]@gmail.com

Dear Sir/ Madam,
I am writing to complain about the worst experience I had in my life in your bank branch . Nov11th, around 1pm, i was planning to deposit my money into my bank account. There was a lady who was the one before me for withdrawing money. After she left, i took out my money from my pocket and held it on my left hand, my right hand is for my ID card. Suddenly the lady came back, and tried to grab my money and said i took her money, because she said she forgot her money in the machine. I asked the security come immediately and open the CCTV and let's see the record. I didn't get any money from the machine . The money on my left hand is my own money. Then we went to the manager but he seems very impatient, and the lady who said I took her money and the manager communicated with each other in Arabic, i have no idea what they were talking about. After a while, maybe she checked all the money in her account is correct and she said it's ok now! Maybe it's ok for her but it will NEVER BE OK FOR ME . I was so angry and i asked her to apologize to me, she only said " i am sorry" that's it. Because i have work in my university so i left in a rush. The disappointed part is when i met the matter, no one in your bank help me . They acted so cold, especially the manager. He even thought i am an unreasonable person before he made everything cleared . Who will be happy and keep calm when someone said you are a thief? I really hope you should understand how i feel. AND please make sure call me back or email me. This is the most humilating thing i have never met in my whole life. I need your explaination and i hope to get your call or email, or i will visit your head office to make this clear and fair.
Rachel : [protected]
email : [protected]@gmail.com

This is to inform you i have worked in Emirates Islamic bank in 2008 as auto sales but I did not receive any experience certificate for that please I request to issue my certificate it's very urgent for me for your reference and information I will attach the documents, I will really thank full if you will resolve this issue for me And sent me my certificate by email.

My name is Vignesh([protected]) and I work with Etisalat. For the last 4 years I have been a very loyal customer of ADCB and recently I have taken a buyout loan from your bank to settle by ADCB loan and credit card. I regret doing so now.

After a long long struggle this process was completed over a period of 1.5 months whereas I was promised that this would be done within 15 days.

Now after settlement of ADCB, there is still an amount of loan which needs to be credited back to my EI account. I have been following from 24th onwards when my Salary was credited directly to my Emirates Islamic account and the salary letter was also produced from my company (Etisalat) to your sales team.

Now your call center claims that the credit amount shows "Inward Remittance" and not as Salary and hence the balance amount of MY LOAN not being credited to my account.

I have checked with my company and they claim that the instruction to the central bank has gone as Salary from our end and it is the mistake of your bank of not considering this as Salary and mentioned as Inward Remittance.

I have faced enough issues from your Bank even before I start transacting business with you. Your Sales team / call center (without having enough knowledge, Sorry to say this but your sales and customer care team actually speak different for a single query) have put me in so much of pain and follow up that I will be forced to write this to the The Central Bank if I don't get a reply and a solution within 24 hrs time.

I still hope that this mail reaches the concerned person who can act upon closure of this.

Thanks & Regards,
Vignesh. C

Dear Sir,
I am Anil Ambwani account holder in your esteem bank.
My Account no. 430340000238422537001
And on 24 October 2019, I received call from Emirates Islamic Bank about some insurance scheme.
I was traveling to my home for short leave.
Yesterday (28-10-2019) I received massage that AED 200/- deducted from my account.
I have never accepted any of your schemes.
Kindly credit back this amount in to my account as I am not interested in any of schemes.
Thanks

I submit my own company cheque to the teller and one guy here in teller seat name is ronald ( philipine ) in albwathi sherq mall baniyas around the time 7.45 pm . He rejected that cheak and he tell the reson the registered Number for account in bank call is not attend I keep that mobile in my home always . I explain that but he is not agree . That guy waste my time more than 1 hour . The bank have any procedure like that.? If the bank have any procedure like that I want to plan to close the account because usually I give the cheques to my suppliers and customers they also go to bank and submit the cheque maybe that time also call not attend bank act like that is not gud..

Hi Team,

I have been calling your customer service for an update on the service request (REQ-1-[protected]) for the past 1 week. I had transferred an amount of AED 466 using the mobile app to pay my ADCB due amount on the 2/10/2019, the amount got debited however ADCB did not receive the amount till date and the due date for the credit card is past.
I inquired with ADCB and they have not received this amount. ADCB also gave me a UAE FTS file ID # : [protected] and asked me to raise an inquiry with Emirates Islamic Bank which I did on 13.10.2019.

Kindly look into this matter on priority basis.

Thanks

Anil Chacko
[protected]

I have an inherritance that was send from HSCB bank Ghana to UAE supposed to be transferred yesterday 2019/09/30 into my bank account and it still not happened, Please send a direct email in order for me to correspond freely and give more information. The Director of Foreign Transfer Department ensure me that this is not a scam as I was worried about it. I have a lot of proof

they just suck money like blood they dont even care on a employees point of view. how can the bank drain my funds without any notifications.tats rude.i had been out with my friends coz I had funds in my account, there it declined.i dint receive any message nor anything.worst experience.would never opt for Emirates Islamic poor customer service etc etc.looters