First Gulf Bank [FGB]
Reviews and Complaints

Last year I cancelled my card, as I was going back to my home country.
I spoke to a lady and she told me it will be done..
Before leaving I cleared all my dues.
Now after almost a year, I am receiving the messages that my payment is due and and I have to make the payment to avoid late payment charges,

I submitted a complaint at fgb customer care. Sr number :9364741. As per the executive I will get the call from bank for the same complaint within 6 days.
I simply want my charges to be waived off.. I. E. Annual membership fees along with late payment (If any)

Plz help

Regards
Bilal ahmed
[protected]

​​
Dear service provider,

I am a very disappointed customer of fgb bank, after complaining several times regarding irrelevant amount of aed 60 for accidental insurance is charged to me without my authorization, even after my cancellation request and assurance provided by the agent again aed 30 was charged to me for the 2nd time and still the clarity is a question mark?

Customer agent sachin (Talked to me on 22.01.2017, ref sr9275459) was not pleasant in talking and arrogant.

With reference to my request numbers sr9297424 and sr9297426 on 27.01.2017 taken by agent mohd. Abdulla I am hoping to end the issue with a solution.

Please sort out my issue by settling the amount and allow me to cancel my credit card due to extreme disappointment.

Name: anuj khandurie
Card no. [protected]

Regards!
Anuj khandurie

On 22 january 2017 at 12:16, anuj khandurie wrote:
Dear representative,

With reference to the complain numbers sr9203923 and sr9275459 I am very disappointed with your service team as still my issue is unresolved and inspite of cancelling accident insurance yet I can see 'accident insurance' charges being reflected on my statement of jan, 2017.

While following up with your customer care I received arrogant and harsh answers. I don't know how come your service has declined and nobody is taking responsibility to take customer's request into consideration.

Therefore, I request you to take off the irrelevant amount of accident insurance from my statement as I have already requested earlier or cancel my credit card.

Please find the credit card details:

Name: anuj khandurie
Card no. [protected]

Regards!
Anuj khandurie

On 4 january 2017 at 15:30, anuj khandurie wrote:
Dear representative,

With reference to my telecom at the customer service, I would like to reveal my regret for the irrelevant amount of dhs. 30 for accidental insurance being charged to me without my authorization.

After requesting and complaining to customer care agent several times there wasn't any response regarding my issue.

Therefore, I would request you to take off the accidental insurance amount of dhs. 30 and also remove the insurance which activated automatically without my knowledge and approval.

Kindly note my card details below for your reference:

Name: anuj khandurie
Card no. [protected]

Regards!
Anuj khandurie

I want to write a consumer complaint regarding insurance charges imposed by fgb. I have been charged nearly 10k in terms of insurances which have never been signed up. While reveing my 2016 personal credit card accounts I was surprised fgb charged me nearly 10k in insurances and finance shield and late payment charges due to that insurances. Further interest has been charged on the overdue amounts of insurances. I have clearly replied to accounts manager who signed my fgb credit card that I do not need insurances. Further I call fgb 2 times to cancel and reversed the insurances charged to me. They have canceled the insurance but never reversed. I have done my credit card reconciliation and got to know nearly 10k has been charged to me in terms of insurances, credit shield and accident insurance in 2016. It was really a punishment having credit card and I honestly lost my hope on the banks how they can charge to a person for the services which has never been signed. Moreover interest on the insurances balance is really pity.
Please help me with this issue as I am really very upset.

Name : malik sulaman ali

Address - 318b al jawza warsan 4 dubai.

Telephone: +[protected]

Dear Sir/Madam,

With reference to the above subject, please be noted that you have charged the life insurance package in my credit card bill for the month of Nov 2016 without my knowledge and approval. I am not interested in this product anymore, since I already have similar products from other companies. So I request you to kindly cancel the same with immediate effect and reverse the entire charge in my credit card. Attached the credit Card Bill for your ready reference.
Hope for an immediate action in this regards
Jomon Thomas
Mob -[protected]
Card No- [removed]

It is really disappointed that continues request sent to fgb that there was 365 elite insurance fraudulently activated in my account. I received a call from fgb representative on 30/11/2016 and explained about this plan, but I clearly mentioned her in conversation to sent me all details in my email id before activating any plans in my account. But she directly sent a sms to me that your request is under process. So I tried to call her the same number which I received call, but it was never attended. However I send email to fgb customer care about this process and requested to cancel this 365 elite insurance at the same day.
Now the fgb complaint sell saying I verbally approved the 365 elite plan so they couldn't cancel this request, it meant the fgb is treating verbal conversation is stick evidence and email communication is nothing for them. If so they had recorded phone conversation that I requested them to sent detailed email regarding this plan but that is not a proof for them and trying to protect their executives. Why should I pay for one service not required for me and activated fraudulently,
Still I didn't receive any email reply from fgb except only the auto response from fgb customer care. More than 45 days over but no action has been taken for my complaints. Last 8 years I was dealing with fgb and it is not the first time experiencing the same issue.

This is the compalint against the fgb credit card insurance activation in my statement, without any intimation, they started an instalment plan. I called back asked them about this, and I asked

Please go through the details
I asked the details on 19 th jan 2016,
They sent me the documents on 25-02-2015 through mail
But they started deducting hte instalment plan on january 2016 statement itself
At last they promised me that they will reimburse the amount after 12 months (Ie in the month of dec 2016) as it is already scheduled. But last month and this month also I have asked, now they are telling that no their executives told like that

Dear Sir,

This is related to my complaint with regard to insurance provided without my consent. Though I have highlighted my concern in writing to the bank, I have still not been responded by you or by your concerned department in clarifying and closing this issue.
I least expected this type of behaviour towards a customer who has submitted a complaint in writing.
The insurance cover has not been provided based on my verbal or any written application and therefore I refuse to accept the same or make any due payments related to it.

I am making this formal request to immediately cancel this facility and clear my outstanding towards my credit card with immediate effect.
I therefore expect a written response from your end at the earliest.

regards

Pramila DSouza

Suresh kumar thenamangalam.
Fgb platinum visa card #[protected].

There are mainly two complaints. 1) to connect your smart call adviseris like winning a lottery. I spent nearly aed 9 but not connected today from 10 to 12.12 hrs. Worst part is unlike many other bank, you do not have toll free number also.
I have register a complaint before two months (Ref-8944081) regarding the cancellation of harres renewal. Even after two months the remitted money aed 300 not yet reversed or did not bother to send any notification in this regard.
Due to your poor customer services I am disgusted and sad even though I am a fgb card holder for the last 11 years.
I will wait foe some time after which I will seek other options.
Thank you.

Hello,

I have submitted credit shield claim approval form before 180 days while leaving UAE. At that time insurance executive officer told me that i can fly to my home country. credit shield insurance will approve within days.

Its completed more than 180 days but i didn't get any message regard credit shield claim approval.

Before 2 months i got message from bank and they were asking me to fill the form of credit shield claim insurance form again. so i fill it and send it back to bank.

now the situation is, i am getting mail regarding legal case against me from FGB bank. i took service of credit shield and paid charges of that since last years. now the time to take action from bank at that time they are not taking any action regarding credit shield insurance. instead of they are gonna tell me that pay money otherwise they will file legal case.

please tell me that is this product service that FGB bank provided to the customer ? promising that within 45 days approval will come but after 180 days there is not any status. is this paid service FGB bank is provided to the customer ?

Please do needful.

My name sindhya nelson
I applied for a credit card n I got very less amount so I dint accept the card from the courier person I returned bez of low limit... Now when I check with bank its showing its still active... I want to cancel that and I want to apply for loan... The person who took card for me is very irresponsible he will not answer my call n he went to india putting me in trouble... I msg him to give other person details to complete my process still he dint give me...
Plez do the needful

Thanks
Sndhya nelson
[protected]

Recieved phone call around August 2016 regarding dormant credit card that is not activated. I told to caller that I do not want to activate it. Then on September 2016 recieved bills that need to be paid. I called smart call on 28.11.16 about this issue and refer to somebody transaction ref. code SR8739952.
I told that card was also lost long time ago and I don't know even its PIN number.
I have attached all the monthly statement for your reference.

Requesting your assistance regarding this matter please.

Card Number [protected]
1st statement date 25/09/2016

Looking forward having a fair consideration of this matter.

Thank you,

Florian Roseller Villapando
Maintenance Dept.
PO Box 74684 Abu Dhabi

I had raise a complaint through phone call in fgb customer hotline, last september regarding the 360 insurance had deducted in my credit card without informing, hence I ask the reversal, however tell then I haven't receive, the bad thing is I always calling every month to follow up, they told me is already process and it will take 45 days, in november I called again and they told me it was already posted in 19th of november, and it will reflect in december statement, luckily now is december : (the refund still nothing. So I called again today, now I ask the name of the person I was spoken with, ask really don't know, if they are telling me the truth, his name is rizwan, he said the the amount has been posted in december 17, and it will reflect I january 2017, statement, wow, big wow, I all lies I got from fgb customer hot line, don't know till when I have to wait, I am so much angry, really, hopefully fgb can give me a good experience in 2017... And the reversal they make happen in january, as I don't know what to do if not again... Please do some action.

Fgb,

Please be serious in providing your services,

For last 2-weeks this will be third time I am sending this letter filled and signed to - [protected]@fgb.ae, if an application is taking more than a week, how long will take refunding from airline?
Please find attached filled & signed form third time!

I know after 3-4 working days I will again receive email, dear customer we didn’t receive dispute application….. let me tell you that will be last time, I will just pay the outstanding except this disputed amount and will close the card.!

I know now, fgb credit card is waste of time only, it’s totally ridiculous.. how? I will tell you —

1- airline made the same deduction again after 20-days with the same transaction reference & with same valued date ….
2- and there was no barrier no stop from your credit card security system, I didn’t receive any msg on mobile… its slap on fgb credit card security system.
3- I am keep sending my filled dispute application for around last 2weeks …. and so far … the valued & very busy customer services team is saying they didn’t receive my application
4- please tell me which system of fgb is working fine..!

Below is the screenshot of my reply which clearly show the attachment.

Good morning sir/madam;
My name is Syed Muneer Muttathody. I have fgb credit card. 3 times i try to purchase a abudhabi big ticket an amount of AED1000.00.But this 3 times i have not get the OTP code from bank side.yesterday night last i try.then i call customer service more than 10 minutes.no reply also.i don't know what is the reason. Kindly inform me any type of reasons.my contact number [protected].
Thank you.
Best regards.
Syed Muneer.

I am so disappointed by the customer service provided by fgb credit card team. The service is simply appalling and terrible. I registered a complaint in october regarding fraudulently activating insurance 360 on my card. No action was taken. Everytime a complaint number was given but closed without a solution. Sr8867938 on 19/10/16 was given by an fgb representative called denis. Than I spoke to sagar moolani on 03/11/16 from active 360 insurance team who was very rude and disconnected me saying nothing can be done and stated that he cannot transfer the call to his manager. I again filed a complain with the sr8964278 and sr8964267 but nothing was done. Again I spoke to a representative geni with sr8982983 but nothing was done. Then I got a call from a representative named hari om, promising to me to deal this on priority basis but still nothing has been done. This was a month back. I am so disapointed and wish never to bank with fgb in future.

Hi, I would like to formally escalate this issue of not having reconsideration for the subject and customer care executives are not allowing to escalate or to take the request again and I am stuck in reaching FGB on this.

Previous reference numbers: SR9065654, SR9067753.

I have put the reversal request again 3rd time via email with the proof of the full outstanding payment done on the same due date day which is 10/11/2016. Kindly refer the below payment confirmation receipt for the verification.

I have been using this since last 8 years was never defaulted any of the payment; you may kindly review my history. Couple of times I had mentioned the reason for paying via Al Ansari Exchange .It was my intention not to delay the payment (and this was only option left out at that point of time) when one of your SHARAJH ATM was not working and I had to rush to the near exchange house to make the payment.

Now, I have already made the payment of outstanding (Finance charges and late payment fee). I would kindly request you to kindly reconsider to reverse the Finance charge and Late payment fee which is AED 1010.

Thanks.

Firdous

I had Crédit card and I already settled the balance . and applied for the clearance letter 2 months ago

Now I am waiting for the same. At the time of apply they offered me .you have to clear the balance payment .as per the advise I cleared everything.
Then after 45 days of payment I applied for clearance. Then I contact with customer care and they told me within 2 weeks they will send to the post box. I didn't get anything from your bank every day I am calling customer care and they answering the same words I e send to your post box . after that I requested to send the clearance by email to my I'd. Then they told me within 2 days.now it exceed more than 10 days

So please advise to me to do the next step.otherwise I will be force to move the legal action and also I will approach to Central Bank

My contact details

Name . Shibu Muraleedharn Nair geetha
Mob [protected]
Email shibu300 @gmail.com

I m using my credit card from last two years. Last month i have received a call from fgb customer care dept. They told me that i m a privileged customer and from the next month i m going to get some benefits from fgb. They asked me for one time otp which i was not received that time. Then they asked me some security questions. After the verification they asked me the beneficiary name for my account. They never told me that its an insurance plan or i have to pay 750 dhs for an year for the "benefit getting". After receiving my monthly statement i saw there was one installment plan mentioned for insurance for 1 yr. I made a call to the customer-care and they forwarded my call to the insurance dept. They asked me if u were not aware about the insurance why you provided the beneficiary name. Its a kind of cheating people who is believing in online and mobile banking. After several calls which i had made to the customer care they agreed me that they will cancel the plan. Last week i received another call from fgb insurance dept. That they are telling me that they can't cancel the insurance plan because i agreed them through phone for activating the insurance. I have searched over internet that there are lot of fgb insurance related calls were posted against fgb.

Can any one help me to sort this issue. Or should i need to register a complaint in the central bank of uae regarding these kind of cheating?

I am a credit card holder of FGB, I have called the customer service center today and spoke to Isha FGC5624 and was very rude. She was continuously intrupting us and was not allowing to talk. We had to shout at her to keep her quite and allow us to speak. We are literally unhappy with the service of the lady.
Kindly listen to the call and do the needful.

Thank you,
Yatheendran

7 december 2016, around 2 pm.

I am currently in the uae on visit visa and still am using my home country bank account (hdfc, mumbai, india), who provides me with an international debit card for use abroad. I have made successful cash withdrawals with my hdfc debit card before including from the atm in question.

On the 7th december 2016, around 2 pm afternoon, I walk up to the branch atm of first gulf bank for a cash withdrawal, the machine accepting my pin, allows me to choose an amount which I do and takes me to the currency conversion screen which conclusively confirm that my pin was correct. when I select withdrawal, the machine says my card has been retrieved for "security purposes" and the receipt says "transaction declined".

I contact the branch immediately and the security guard directs me to a phone next to the atm asking me to speed dial customer service as they would be able to help. I speak to customer service and I am told they would not be able to confirm why my card has been retrieved and they will not be able to return the card to me as it's a bank policy to destroy all retrieved cards. I ask for a supervisor, a team leader by the name rehman who keeps me waiting again after the agent, comes on the line to tell me there is nothing they can do for me. I lose over half an hour on the phone, by which time the branch is closed. I ask rehman for the name of the agent I spoke to, he says he is not sure, would call me back with the details, takes down my contact number but I never receive a call.

I speak to the security, who now is behind the closed glass doors of the branch, to ask a branch staff to assist me as it is an emergency. he goes in and comes back saying they can't help me. I was rudely ask to leave the premises and contact my own bank. I try and make everyone understand, including customer service and branch security, that my bank is based in india and I am stuck now in a foreign country with no access to my account and no money. no one seemingly understands the gravity of the issue and wants me to understand their policies and getting rid of me from complaining. this is my 1st nightmarish experience being in the uae and I request for a redressal in damages and mental agony.

I hope for justice to be served.