Emirates Islamic Bank
Reviews and Complaints

Dear Gents,

i was using EI credit card when i was in UAE, i moved to Saudi Arabia last year in June. Last month i have deposited the full outstanding amount (AED 1750) till date and the statement was showing ZERO balance. now again, you are charging some amount in the name of membership.
FYI, i have left UAE one year before and i am not using this card at all.
May i know what kind of charges you are adding in my statement?

Second thing, After depositing the complete outstanding balance, i have already requested your representatives to block the card permanently in order to avoid any useless and hidden charges.
i am again requesting you to block the card otherwise i am not going to be responsible for any additional charges being charged and i am not going to pay a single penny.

I had applied a liability letter to consolidate my loans into another bank which gives a lower interest rate. It's more than 15 days they are saying the same that it's still in process. They are daily calling me for credit card payment which is a small amount pending. Such a worst bank and poor customer oriented service from the employees. 15 days for a liability letter and not giving it . It seems that they are greedy for taking money from customer and not helping the customers to solve the problems

Guys I'm waiting for your response as I can't reach the application.
Help me out from this problem if you've made the option of helping your customers so kindly help them too because you might loose your customer trust, every customer needed to be attended as you've mentioned that you're gonna reply within maximum 24 hours, and in my case it's been almost one week and I'm still waiting for tour response to help me?
Thanks

Hello
Actually whenever I'm trying to login to my account its showing unspecified username I'd, which is the same I use to login before, and when I'm trying to reset my I'd, password or secret questions it's showing system error since one month. I've called your customer care services so many times but it's helpless as well.
I request you to kindly check the problem in my I'd and please help to login to my account again.
I'm attaching the screenshot of the application which always shows the system error.
Thank you

I am writing with regards to my end of year benefits loan top up and my salaries which have been frozen by your outfit Having met all the requirements I have provided I am still in shocked amazed by the action of your bank to still freeze my funds for 3 and half months I find this very disgusting to be treating your esteem customers with such a deteriorating and denigrating customer care Europeans and American banks don't treat their customers this way They treat them with care and good customer service . I have provided you all necessary documentation and haven't defaulted so why freeze my funds ?

Unprofessional and incompetent service received from Vaseem. Continuous request for additional information. I was requested to submit the same additional information four different times - regarding the same topic. Delayed vehicle finance due to immaterial and unnecessary issues raised. Upon requesting why the issues or requests weren't raised earlier, Vaseen arrogantly raised his voice upon anyone discssing a issue with him. Whilst everything was in order, The process was delayed the process due to V' preference. No clear communication of what he wanted. This has caused that we wont be able to access our vehicle and that we will have to extend our rental vehicle. Truly unacceptable, I cannot recommend EIB to anyone based on the service I received

This person is a fraudster ... they are using this account to gain money through lies and deceit. I have recently paid £7000 through western union and not received the loan which was guaranteed. His associate bribed me as they have my details and tried to get me to transfer a further £15, 000.
How do I go about getting my money back and this account needs to be frozen and looked into
Kind regards
Claire Davies
C.[protected]@coremedicalclinics.co.uk
[protected]

Hi Team,

My name - Ajish krishnan
Credit cared no:[protected].
Phone-[protected]

I have cleared all my overdue and cancelled my credit card with Non liability letter.

But my AECB report still showing a debit of 109 AED. I have already informed the same to the Garhoud Branch and no response.
Also i have email to helpdesk@emiratesislamic.ae.

Please advise what i should do more for the issue, I have visited Garhoud branch 5 times for this issue and no response from branch and very very poor response as well.
I have only one way left to contact Central bank. I will wait for one more day then i will contact central bank for solution.

I'm appalled by the security staff at the Mirdif city centre branch, I simply went there to update the Emirates ID as per the bank request from the ATM machine, when the machine did not allow me to, I walked to take a coupon in search of assistance from the staff at the help desk, however this security staff Owais came to me, as I greeted him cheerfully and starting a small talk conversation, he enquired of my reason for visit, when I explained to him that I want the staff to check for me why I'm not able to update from machine Owais asked me if I had my passport with me, I replied no since only ID was required, he went ahead to tell me that I will not be assisted without the pp and even started to dismiss me like to go away and said the pp is expired, I was shocked, I asked him why is he making a decision without allowing me to speak to the staff and I also informed him that the pp is actually valid, he said he knows i cannot be assisted without a pp, I started getting upset, i reminded him that i don't have time for back and forth and all i want is to know if the machine has a problem and i can try from another machine, or to check the status because the pp is valid or to be advised of how else i can do it since I'am a busy person and any other way convenient for me would go along way but Owais kept on arguing as if he is the barrier to keep me off from just meeting the staff. (By the way, I have been a customer with this bank for the last 17 years) and now it seemed the security staff would be all we need which in my view there is no point of having the staff there if the security is capable of handling all customers queries. There was an intervention of another staff ( not sure if he is the manager or something) but even with this other staff, Owais would not stop about the pp issue. I said to him then the bank needs to give him a laptop so he can solve all problems right where he is and this way there wouldn't be a need for us to seek the staff, he said "yes I will get a laptop"! I asked him if he knows everything concerning the account and bank details so it's easier to just go to him and he said "yes i know"! who answer's a customer this way (although this could actually be the right answers, since I asked but in a professional world you just don't utter them aloud)...I even asked him, so you are now arguing with a customer?, he said "yes"!...I gave up.
I do understand people might be going through some issue yet expected to put on a hospitality face, but for this staff Owais is just beyond comprehension. I even moved away as i felt threatened by him.

, I have raised this complain over call center. EI - 1 - [protected]. The amount should be refunded and expected to be on my account. I have been following up through your call center 60059995 and I don't feel like they are doing something about it. I have been receiving different information from your call center agents and I am not sure if I should trust them anymore.

The complaint was created May 29, 2019.

I know that the amount is small but as a member of this bank, I believe I also deserve genuine service from you.

Kindly take action for the refund of my remittance.

Dear Concerned,

I, Nikita Ankit Shah, having a company in SAIF Zone sharjah was contacted by a tele sales executive from Emirates Islamic Bank, Ms. Deepthi Menon (Senior Sales Associate - OBTawasal - Credit Cards) and I clearly mentioned to her that I am an investor and then she asked for the company statement for 3 months to be provided for Checking at her end.

The documents were sent to her for approval initially and then on 12th June 2019, she sent a mail stating that Mr. Ahmed Tonsy from Sahara Center branch will collect the documents and take signatures.

This process was done on 12th June 2019 and then till yesterday there was no reply from any of the employees and not even received any message for any application being received. I am really worried if these people took the documents and might not have misused it for other purpose.

Yesterday after i sent a mail to Deepthi to call back as she did not share her number and Mr. Ahmed was not taking calls, she sent a mail today stating that as per the Banks policy the application has been rejected.

Initially the documents were approved then only they took the application and then without application being processed how can it be rejected?

Am really worried on what would happen if the documents are used for wrong purpose.

I would like to know the reason for which the file was rejected without being applied for. They should be given proper customer service training as they dont take calls neither reply to mails on regular basis.

Please sort this matter and let me have a feedback on my mail id ie. [protected]@gmail.com

Thanks you.

-Wednesday 29-5-2019
- REQ-1-[protected]
-Account number: [protected]
-Mohammed Al Ahbabi
-E-mail: m.[protected]@live.com
-Phone: +[protected]

I have received an SMS that my end of my service has been credited and been blocked.
I have been calling the customer service everyday from wednesday the 29th till yesterday the 1st of june and I have been requesting for an urgent call back, but nontheless I only received the call today.

The call came in too late requesting for my approval to deduct all the blocked amounts for personal finance and credit card charges. That and I was not requested to provide a salary certificate or any proof of my new job, and taking action in hand without even informing the customer of submitting any documents.

The call came on the last day before eid holidays and if any document is to be submitted will take the whole week and 2-3 working days as per the bank policy, leaving the consumer with no option at all becuase either ways none of the options work for the consumer favor. As to the commitments that need to be made for Eid arrangements no respect was showed in prevailing the true tolerance of an islamic bank adn the manner that should be taken on such in dealing with challenges to the consumer. At least, the ones who are willing to collaborate if they were taken on a much more humane level, other than just focusing on the monetary aspect and leaving a very dissapointing and a bad experience with such a service that for consumer who have been with the bank for fair long period of time.

I do not expect that this complaint might be taken in action anytime soon or if ever to be considered, because as from my past experiences none of them were. I would like to resolve this issue today if that is of the bank's capabilities to do so, if not then another consumer will be lost. I request for the block to be removed, as an option deduct the personal finance and I will keep paying the monthly charges of the credit card and will provide the document as needed, but that requires your swift response to this message and I shall arrange it.

Kindly do respect the Islamic name that is embeded in all of your identities to actually be considered and be worked upon in your services.

Hi, Ramadan Kareem
Earlier I got call from Emirates islamic bank regarding some bank's plan ( Insurance) I just gave him all the details like name, mothers name, company name, email, DOB etc. on phone after explaining the plan he said he will send all the information or details via email but I dint get any mail .
Today morning bank has deducted money from my a/c so I want my money back ASAP and do not charge any money in future plz.
Takaful product REQ -1-[protected] given by bank via sms...
Waiting for your response

My name is Mohammad gulzar hussain
I got a message from Eibank on 22 may 2019 that your personal finance installment date ia 25 of may if there is insufficient fund and balance in your account will charged as late payment fee and will donate to charity ast 5 years my salary deposited on between 26 to 29 of every month, how can u charged, if there is any such mind of charge i will take legal action and will take help from social media how emirates Islamic is donating to charity
Last month ihave cancelled on ticket but till now no refund amount is credited may i know why. Im uploading screen short both case, charging of fees as late paymnet and rpely that got form airline about refund .

Mr Shayne Nelson, CEO Emirates NBD,
Mr Salah Amin, CEO, Emirates Islamic
Dear Sirs
Ramadan Kareem. In this holy month of Ramadan, I would like to share my predicament which I had to go through at hands of Emirates Islamic and request for a fair resolution. I have been struggling for long with this case. I wrote to Ms. Amina Al Zarooni but have not heard yet.
I know this may not be the proper way to contact you but I have no choice after struggling since Feb to resolve an issue. I humbly request your help with an issue that I have with Emirates Islamic.
I am writing this to bring to your attention that I took Emirates islamic card in Jun 2018 and was promised lifetime free card by the agent whose name is Owais. His chats attached. My friend has a card with them which was sold by Owais for lifetime free and he referred me on only condition that I will get the same waiver. Owais promised that I will get the card for lifetime free. In fact owais made this promise to few other friends too and did not fulfil.
In Aug 2018, I followed up with him like you can see from my chat, and he said he is processing waivers. And then he completely vanished. In Feb I realized that he did not process life time free. So I raised a complaint EI-1-[protected] in Feb and that is when my trauma weith Emirates Islamic started. Weekly calls and escalations by me to emirates and multiple mails sent, lot of assurance from Emirates that they will deal with this fairly and then one fine day I see the complaint is closed without information to me.
When I checked with them, they replied that since I signed the credit card application form which stated that i will be charged fee, they closed the case. No one reads credit card application forms and I clearly remember asking Owais if I need to worry about anything, but he said it is a formality. They did not call the witness who is their customer and friend for checking on Owais lies. I told them to review the calls made by Owais but they did not investigate completely and closed the case without informing.
I have spent almost 80k AED on both my Emirates Islamic cards in less than a year and this is the service level of Emirates Islamic. This is not fair to a genuine customer. Thanks Shiva [protected]

Kindly settle the due amount on your EI Personal Finance.
E
Emirates Islamic
[image] [image] Dear Customer, Please pay your Emirates Islamic Personal Finance due amount within 5 days to avoid impacting your credit rating and.

To whom it may concern,

Good day!

I hope this email finds you well.

I would like to apologize for the late reply on your emails. I am aware of my responsibility on paying my Personal loan. I would like to ask your consideration for I am here in Philippines taking care of my mother who is currently ill. She had undergone operation in her colon but unfortunately the Dr. Said that she has stage 4 cancer.

I would do my best to pay it as soon as possible. However, for this moment I am not capable of doing such.

I would like to ask your kind consideration by giving me more time in paying my loan. This is my last month payment and I have no plans running away from my responsibility.

Attached are some Medical Documents to share our current situation.

Thank you.

Truly yours,

Aicyl Tison

My account with the above bank Mendonca James vincent savings account no [protected]. Dhs 28, 793 is blocked in my account for a long time. I put a request with the bank on 16th march 2019 to release the amount, the reason of blocking is not known to me. SMS ref no [protected] on16th March.
As on today 45 days are over and I am visiting the branch once in a week. for the last 6 visits all the time guys in the costumer service say no in formation is come. when I ask them how long it will take they do not know is the reply.
My question is 1. in this advanced technology era do you need 45 days to answer one request.
2. is the concerned dept is too busy to answer or too lazy to answer.
3. how can we continue business with this bank and recommend to others considering various promotions and advt. they do to attract the customers.
4. Will this bank be able to promote H.H SH. Mohammed"s Happiness vision to our Emirates Dubai.

I got a call from EIB customer care that cashback credit card plus is offering 10% cashback on all transaction, and once I applied I got the card with a booklet that if I spent 15000 plus then I will get cashback and the card limit is 15000. How can I spend more then 15000 in one month ?

Stop calling for the leads and making customers fool. I cancelled the card before activating it.

Emirates Islamic Bank representatives took personal cheque for the issual and approval of new credit card on the name of emirates Islamic bank but now due to my company is not listed reason so they didnot issued the credit card And so Want my cheque back and bank people they are always saying they will return but till now no action is taken or else I have to go through legal procedures

I am paying all my dues of credit card on time and never left any debt with me. Now, suddenly I find my card blocked due to some amount left pending which they declared on statement hence I am always calculating and paying online where I never find any pending amount on my balance.
Now calling customer care number of times but finding no solution to my problem.