Emirates Islamic Bank
Reviews and Complaints

I, hand on heart, thought I was the only one but evidently I am not.

Hadaf Al Khaleej Debt Collections LLC [Tahseel] External Legal Agency - [protected]@tahseel.com; [protected]@tahseel.com and [protected]@tahseel.com;

Took out a very small loan and after returning to the UK I tried to contact the bank to pay it back with no response! but then I get an email almost a year later. Perfect, I can now clear my debt and be free! This low life was on the phone to me threatening me! im at work. we agreed on how I will be paying it. At the same time another low life emails my HR manager (I have just found this job and I believe they picked it up from Linked in). Email reads:

We are acting on behalf of our client Emirates Islamic Bank who has instructed/authorized us to recover from (X) the entire settlement of his dues.

We seek your assistance in recovering the outstanding amount lawfully due and request you to kindly verify with the details provided by us above and reply back to us with confirmation if the above mentioned person is working for your good establishment. We request you for maintaining of confidentiality, as we do not intend to harm your firm's or any employee's reputation.

If the above details are correct, please provide us with his new contact numbers (mobile, home and office numbers) and personal email address, which could be of help to us in reaching him.

We look forward to receiving your positive response and cooperation in this regard.

Note: If you are not the concern person for doing the verification please provide the right person's email address.

Thanking you in anticipation.

Thanks and Regards,

Aarif Mulla

Team Leader,

Hadaf Al Khaleej Debt Collections L.L. C., United Arab Emirates.

Mobile: +971 [protected], Direct Number: +[protected], Office: +[protected], Fax : +[protected].

They forwarded it to me. Weren't very happy and month later I lost my job! Now I have been out of a job for 6 months after due to the mental and emotional stress they caused. Thank God I have a job now and paying the money back. I am in the process to raise attention to Interpol and the UAE government to consider regulations over their Debt collecting companies. This has been an absolute joke!
I am ok but imagine someone lost his/her job or unable to work. has a family/children to take care off and needs a little more time to pay it all back. yes you shouldn't have taken the loan out in the first place, but the harassment has no place anywhere in the world!

I am working with a Lawyer to get this resolved. Please feel free to comment or reply to me to push this forward. I will pay my loan and get my compensation so really not losing much!

Lets do this guys! People, that aren't willing to think before they earn a living the "halal" way deserve noting less! SOZ

Hi there...

My name is Tamara and I have a personal loan with EIB. My account manager's name is Nelly.

I am facing an issue with the bank as I have been trying to sort out the issue of how my payments have been allocated to my account but no one seems to be interested in resolving the problem. I have over 3000 DHS in penalties which I am trying to understand the root cause of and no one is making any effort to clear the questions.

I went to your collections office on the 8th of November to meet with my account manager and I was rushed. She told me I have only 10 minutes which I said is fine. The same day, I handed over my EIB bank statements reflecting all the payments that I have made for both my credit card and loan. She asked me to come in that following Saturday which was the 10th, between 11 am and 14:00pm. I got there at 11:45 and waited an hour and a half for her only to be informed that there is no one there because they don't work on Saturdays. I called your customer service (call was recorded) and the security guard left a note for Nelly to inform her that I was there.

She called me on Tuesday, the 13th November, 3 days later, after various phone calls to you offices with call back requests only to offer a pathetic apology. She then told me that my account will be reconciled and they will get back to me on Thursday, the 15th of November with an update followed by a meeting. This never happened. Today is the 20th of November and I am still waiting for a call back.

I refuse to pay any penalties unless someone will sit down with me, correct my payment allocations, and show some sort of customer service. I am wasting my time driving back and forth, calling, emailing, and there is no understanding from your bank.

Please get back to me at the earliest and advise what is the best steps forward.

I the card holder made a balance transfer of aed 6500 from my Dubai Islamic bank credit card to emirates Islamic.

Dubai Islamic bank made two transfers of 6500 ×2 total of 13000 aed
One payment came from my dib cc account and the other payment came from some unknown dib cc account by error as informed by dib cc team

Emirates Islamic returned back both the payments however it did not reach to my dib cc account.

I was expecting one payment to get back to my credit card account of dib and other to dib cc account which is unknown to me from which the funds were transferred by error

Emirates Islamic took telephonic approval of only one reversal however they have reversed two without my permission and know after regular follow up I am not being updated what is the current status neither I have my funds back nor I know where the money went since it is not back in my dib cc account

I have shared my dib cc statement and Emirates Islamic statement to Mr. TAMER from Emirates Islamic cc escalation team however there is silence with out any action.

I have been making payments regularly to Emirates Islamic as well as sub however now I have some financial challenges and I need my own money back either in dib or in Emirates Islamic account.

Hi There,
I been to your branch at Abu Dhabi mall to request closure of my loan.
I was assisted by a gentleman named namshid Hassan.
However his behaviour was very unfriendly. While communicating he don't like to do any eye contact, gives a feeling that we are not important. This is not the first experience I had with him. To every doubt I asked him he answered it with utmost no interest
I wanted the respective manager to have a look at this because we are coming to the branch for help and advice.
I believe customers should not be tested like this

Hello my name is DARIUS Curta leaving in Dubai, and I have open an account and applied for a personal loan with a buy out in total of 135k aed (Dubai mall branch)
After closing my previous credit cards, with lack of clarity I reused one of the credit cards which obviously lead to the stand by of the loan.
Anyway I closed the credit card and provide the salary transfer letter which the agent request.
I was informed that the letter was not corresponding with the agreed format and that will delay again the process.
I was upset however I was about to apply again for a new letter, when the agent said (and I have the exchanged messages) that is ok bring the initial letter.
Now I am waiting in total since July when the loan was approved and the balance is still blocked because of this letter which I will have soon, however I really think that a better communication would be preferable at this level.
As a client I am very disappointed for this type of service and in my trial to get this fixed I have come to meet the assistant manager of the branch, which reassured me when we first meet (Thursday) that by Sunday I will have a partial amount from the total into my account,
With not even a call on Sunday,
Monday I went back in the morning from my duty time and spend almost 1 h, being promised that I will be called by 2 pm.
At 4 pm nothing so I go back again and I find only excuses and empty promises.
Now by today to be informed that is rejected.
My only will now is to see if someone really cares about the services provided in your bank and how the customer is approached in this kind of situation.
With all due respect I am waiting for an accurate answer.
Regards.

I raised request for releasing my end of service benefit and also submitted all required documents. Representative at branch he told me that the amount will be released with in 7 working days but still the issue has not been resolved. I had very bad experience with emirates islamic bank. I am requesting to release the amount or else I will put file

Please take care while taking their credit cards.

Am very disappointed with emirates Islamic bank.

Their staff call to me and said we have credit card offers. He said we have cash back plus credit card u will get 10% cash back on grocery, dining, airline and etc, and also said normally this card have annual fee but now we are giving free for life time. then I asked to him have any terms and conditions for getting cash back, then he said no, then I said okay I will take but I need limit of 20k then only I will take. then he said defnitely we will give and collected all documents including ENBD cheque. After ONE MONTH ONLY I RECIEVED A NOTIFICATION after I called many times.
after that they call me for confirmation of limit which is 5k. then I called thier sales representative and said I dont need this card, then he said you just say ok, after recieving card within 10days I will increase your limit, then I proceed with this 5k limit, after 4 weeks passed I will call him weekely 3 to 4 times but he will say I will update u after one hour but he will not, after that they charged annual fee in this card 313.95, then I called to their customer care and explained all things happened 3 to 4 times then they called me and said we will reverse your annual fee but you cant cancel this card for 6 months, then I said I will not pay this annual fee and need to cancel this card but they are saying, They will not REVERSE if you are cancelling, if you want to cancel just pay the annual fee and cancel (because I never used that card), after that from customer service they called me and explained my credit card benefits:
IF YOU SPEND 2500 then only u will get 3% CASH BACK.
IF YOU SPEND 5000 to 14000 then you will get 5% CASH BACK
Their sales representatives are simply giving wrong information's to customers,
and also its a kind of cheating.

I have been to Bank to apply for liability letter. But they denied the application asking for offer letter. I want to change to consolidate my debts.

They even do hot have the banking product I am looking for. The same happened with their sister concern too.

I wanted to close my account and this bank just wont let you do that.
Instead of closing the account they block it.
There is a difference between the two. If the account is blocked then later any new rule can come up and the bank can put you a penalty, this can legally make you pay them, inspite of your request of account closure.

The branch and call centre will always have different answers. Complaints are taken on record but no response.

Even if you go to a branch the employees are not aware about policies and procedures.

this bank is not worth interaction.. STAY AWAY... that is my opinion.

I have invested in Emirates Real Estate Fund (3 yrs closed ended fund) since 2006, and came to know 2008 that the fund has been freezed for some time. Since then we are getting information from the respective department that the fund managers will reconsider opening of the fund in next 6 months. But it is not happening. We are ready to accept the money at the current market value of the fund which is less than 50%, but they are accepting our redemption request. We are in immediate need of the funds but can't get back our own money. Any suggestions?

Hi,

In early 2007 I took a Personal loan from Emirates Bank through a gentlman named Munaf, who was very helpful. Everything was fine until late 2008 Emirates Bank decided to transfer the loan from them to Emirates Islamic Bank without my authorization. This made a huge change in the interest rate for any missing or late payments. When the transferred the loan to EIB, it was transferred as a new loan and none of my previous payments, which were over 1 year were transferred. Hence, EIB bounced my cheque... I got the issue resolved right away as I was a staff of the bank. I took receipts and statements to the bank to recover my payments, but over 2 years down the line they have NOT been able to. I have visited every branch and every collection office possible. I somehow going through hell made myself stable with payments... but the interest rate was so high for late payments... (I tried changing payment date; but no help from EIB) that I had overdues AS INTEREST AND NOT MISSING PAYMENTS and EIB decided to bounce my cheque again. Today, I am jobless and am running after the bank, and the bank is not giving me face at all, they have just nicely bounced the cheque and sitting back watching the show. I have now gotten another job and showed this to their collection department, but they are asking me to pay AED30, 000/- to remove the case. How am I supposed to resolve this...? I complaint to Central Bank about 4 months ago and NO response as of yet... the complaint # is 1781. The loan A/C # is [protected]... NO ONE is helping now cause I have a bounced cheque... IS IT MY FAULT? How am I supposed to resolve this? I have received a VERY GOOD job offer in hand and unfortunately because of EIB's horrible service and EB's major mess up I am in a state that I might end up in prison...
I am speechless at this bank...

My original credit card EIB VISA CLASSIC had expired last Feb. 2009 I was paying an annual fee of AED 200.00 only.

On Dec 29, 2008 I sent an e-mail asking that it be renewed and sent to my address,
On Feb 03, 2009 I received a request to send an email agreeing to the courier fees, which I did on Feb 05, 2009
On Feb 09, 2009 I was charged for courier charges ref 50.00 AED
On Feb 23, 2009 I was again charged for courier charges ref 50.00 AED
On March 17, 2009 I sent an email to EIB not to renew my credit card, and I called the hotline to cancel it
On April 01, 2009 A transaction appreared showing credit card was renewed and activated with a new number without my concent
On May 03, 2009 A transaction appeared again showing the new number with a charge of 110.37 and a negative charge -115.50
On May 03, 2009 I sent email asking for explanation why I am being charged
On May 03, 2009 I called EIB hotline asking the same question and the reply was it's against monthly credit card membership fees and I asked it be cancelled
On May 04, 2009 I received a reply the charges are against my credit card dues without any further explanation or mention of my request to cancel it.
On May 04, 2009, I sent an email asking why my request to cancel the card was not honoured
On May 05, 2009, I received an email that I have to call another number to voice log my request [protected]
On May 18, 2009, I called the number at 11:57 Pm the person asked that I have to settle the charges before my card be cancelled which Totals: -392.06

Since I didn't ask for my card be converted to the new EIB VISA GOLD and since I didn't receive my credit card by courier as promised and since I did not call EIB helpline to activate the new card and since I called at least twice asking for my credit card to be cancelled and never informed of the new charges or the procedure to cancel the card I asked EIB to kindly reverse the charges and cancel the credit card.

This request was never honoured and still I am being charged monthly membership fee of AED 125.00 and overdue charges of AED 150.00