First Gulf Bank [FGB]
Reviews and Complaints

The below is email received from you call center.
How is this related to my concern which is -

My [censored] Ferrari Signature card expires next month and I would not be in Dubai to collect the renewed card.

However my concern is whilst am away and my card has expired how do you suggest I make my transactions.
Are you suggesting to cancel my card and proceed with a different bank?

Please look into this matter.
Roshan

Dear Sir/Madam,

Thank you for writing to us.

We would like to inform you that once you return to UAE please contact our 24 hours Contact Centre on [protected] and request for the delivery of the card.

Should you require any further assistance or clarification please contact our 24 hours Contact Centre on +[protected] (outside UAE).

Regards,
Customer Service FAB
FGB 24 Hour Contact Centre Number [protected] (within UAE) | +[protected](outside UAE)
NBAD 24 Hour Contact Centre Number [protected] (within UAE) | +[protected](outside UAE)

======First Abu Dhabi Bank Confidentiality Note======
The information in this communication is confidential and may be legally privileged. It is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it.If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking action in reliance of the contents of this information is strictly prohibited and may be unlawful. FAB is neither liable for the improper, incomplete transmission of the information contained in this communication nor any delay in its receipt. The communication is NOT intended to operate as an electronic signature under any applicable law. FAB assumes no responsibility for any loss or damage resulting from the use of e-mails..

From: Roshan Pushpan [mailto:[protected]@altayer.com]
Sent: Sunday, July 01, 2018 2:22 PM
To: atyourservice
Subject: Credit Card

My [censored] Ferrari Signature card expires next month and I would not be in Dubai to collect the renewed card.

However my concern is whilst am away and my card has expired how do you suggest I make my transactions.
Are you suggesting to cancel my card and proceed with a different bank?

As informed by your call centre, [censored] cannot issue / take request for a replacement card as it's yet to expire and this is an automated process.

Please advise.

Regards
Roshan.
Tel +[protected]

Dear FAB Senior Management

I am writing to you with reference to The total outstanding amount for my Card [protected] is AED 53383.48.

I have been with the bank for over 8 years and when I left due to health reasons caused by the stress of losses due to the economical crisis I left enough money in my nbad account to cover my expenses on cc for 5 months. However due an error from the banks end a loan with fgb which was paid off in full almost three years ago was now being considered as not paid and money was being wrongfully deducted from my account. Even after regular communications with the bank and follow.ups which lead to no responses from the team money was still being deducted . The bank had all my contact details and means to resolve the issue however the case was transferred to an agency called Sunshine Solutions who picked up my case and now are dealing with me along with an fgb collections officer by the name of Mr Menon. My only humble request is that I can afford to pay between 15-20 k AED as one full final settlement with the bank regarding my credit card which is a humble request . Any form of documentation regarding my communications with the bank and medical certifications can be furnished to the bank upon request. Kindly please I just want to ensure this is settled and I don't have to face the stress of this situation any further please. Appreciate your promot response. I am available on [protected].

Regards
Kunal

I requested for liability letter last May 17 with SR#1-[protected] and the customer service told me that it will be release after 7 days so I waited for 7 days then after I followed up how many times and then after several follow up they told me told me visit the branch for it is hold by collection department. So I visited the branch and she told me it already done and wait for 2 days even I called up the customer service in the same branch and confirmed that I'll get it after 2 days. Now it's 3rd day June 12 until now no sms, no e-mail and no call from your side. Please settle this problem the earliest.

Hello,

I would like to ask about the length of processing in releasing the Clearance Letter.

I have settled all my Liabilities Since Last Month then I received an SMS on May 26 that my Request for Clearance Letter was registered with Ref Code SR#1-[protected].

Until now the Clearance is not released and half of my Salary was placed On Hold. Can anyone help me with this.

I talked to the Branch Manager in Madinat Zayed. He simply replied it's out of his Hand. I called the Costumer Service, They are pointing to the Branch Actions. What really is happening and who should really work on it?

I have raised the request for liability letter for my credit card on 28th may 2018 but still I have not received the letter and I am getting lame answers rom your call center team as we have dropped mail still the other team did not respond this I am hearing from last 2 days. We are your customers and for us also we need to face such issues. Its starnge fro such a good bank with reputation that we need to lodge the complaint.
Please reply as I have commitments given.

I am standing in the customer service section. 3 officers are available and 2 customers are waiting. Instead of assisting the two customers, two of the officers left at 12pm from their desks and didn't return. Only one officer stayed to assist us. It took him 1 hour for 2 customers. Lots of people standing in the branch managers office not doing anything. Talking on the phone.

Dear Sir/Madam,

I am writing to complain about the "mis-information" i received from one of your credit card sales representatives.

Sometime in April 2017, Mr. Vinoth came to our office and offered your credit card. After qualifying me as eligible for a card, I submitted the required documents and my application has been approved.

I was pleased to have been acquired my very first credit card, however, I was surprised to find out in my last billing statement about the Annual Fee of AED500.00 being charged to my account.

I was very particular about this that I even asked Mr. Vinoth about Membership Fee or other fees and charges. I only agreed to apply when he confirmed that there is "none" or it is "waived".

Not only that the AED500 is a such big amount for me, but the "misinformation" is unacceptable. Had I known that there is such a fee for acquiring the card, I would have not applied for one, in the first place.

I believe i deserve some consideration here.

For this, I wish to request for the reversal of this charge or the waiver of annual fee and conversion of the card to "FREE FOR LIFE", as what has been committed by your representative when the card was offered to me.

I would appreciate if someone from your esteemed company could give me a call to clarify the matter and confirm your kind approval on my request for waiver.

I look forward to hearing from you soon.

Yours sincerely,

ARLO FONZ P. CAPILI
Holder of FGB Du Titanium
MasterCard No: [protected]

Dear Sir,

Good Morning! I write to get your assistance in resolving the unauthorized and unjustified deductions of varying amounts by FGB from my NBAD account.

It was on February 26, 2018 when I first got a deduction in the amount of AED 2, 980. The very next day, February 27, another AED 1, 000 was deducted from my NBAD account, prompting me to call NBAD to get information on the two consecutive deductions. I was simply told that the debits, as per the system, were for "FGB Liability." I then called up FGB at [protected] where the attending agent explained that the deductions may be for missed or delayed payments. However, upon further check, the agent agreed that I had no payment delinquency.

On March 26, 2018, a staggering amount of AED 5, 400 was deducted from my salary.

I called NBAD another time, to be told by the bank's personnel that all the monies, now totaling AED 9, 438, are "on hold" against "FGB Liabilities, " but not credited as credit card payments.

Next, I called FGB where the attending agent, not being able to provide a concrete explanation, offered to forward my complaint to the Collection Department.

On March 29, 2018, Melchor of FGB corroborated the finding of NBAD that the monies are, in fact, on hold and not credited as payments to FGB.

I am diligent in paying my credit cards with both NBAD and FGB, and have no other liabilities with them. I have not defaulted on any monthly payment also.

After thorough investigations, the collection department had admitted that they have made a mistake of debiting from my account and crediting the mentioned amounts to my sister's account as they thought we are the same person. This is absolute ineptitude and unprofessionalism on FGB's part. How can you mistake the other person from another? Our ID, passport and email IDs are different.

I made relentless calls to the collection department which caused my Etisalat mobile bill to sky rocket to almost AED800 for the me to be able to get my money back which is legally mine.

On April 12, 2018, the above amount of AED 9, 438 was debited back through swift payment to my account after grueling and lengthy conversations with the collection department and customer service of FAB.

I made immediate plans to transfer banks during this time as I have lost my trust in FGB. Whilst doing so, I requested for a Liability letter which was release on 17th of April 2017 with a wrong information again, detailing once again my sister's liabilities under mine. I am still awaiting for the correct liability letter required for me to transfer banks.

Again, on May 2, 2018, an amount of AED 3, 278.80 was on hold on my NBAD account for FGB liabilities. Once again, FGB has debited from my account to my sister's liabilities. Why does this happen again and again after the issue was resolved?

Given the circumstances involving two banks - that have recently merged adding to the complexity of the situation - as described above, I am impelled to bring my dilemna up to the Central Bank. I hope that by doing so, I will get a speedy resolution to my case and get access to the monies that are lawfully mine.

I hope for your positive reply. Thank you!

Best Regards,

Joyce Quimsing
[protected]

I had one credit card with FGB for which i missed 2 EMIs since i lost my job last year.
On 16/09/2017 i settled entire credit card bill by paying single payment.
I have NO LIABILITY CONFIRMATION letter from FGB/FAB as well.
Today, 2nd May 2018 i visited CREDIT BEURO department and on my credit report and score this FGB card is still reflecting.

I was informed by FGB that once i settle the credit card my credit report will be clean and FGB will inform Etihad credit beuro immediately.

ITS BEEN more than 9 MONTHS and FGB did not informed CREDIT BEURO.

Kindly take immediate action and call me on [protected] to discuss further.

If not resolved immediately i will raise a official court case against FGB and report this to Central Bank and Financial department of justice

Dear FGB,
Yesterday i made a complaint regarding the same but today i want to make it more clear.Your agent called AMIN [protected] has gone out of his mind for the commission.I told him yesterday that i will pay at 9.00 in the evening but he wanted to send his staff to collect the money from me here in the office, since when FGB started door to door collection services? He called me 189 times till 11.50 in the evening and in between my mobile got switched off if not he should have made it up to 300 calls a day.Today morning he started at 6.40 in the morning and till 8.30 he called me 63 times.I am here in this country for the last 14 years and this is the first time i am facing a crazy unprofessional greedy agent like him.I have huge amount of respect to this country, rulers and the law but i prefer to go to the jail and get release from there better than letting this kind of starving agents get commission from me..On top of calling me 252 times in 24 hours there are many threatening and black mailing messages from him which i dont want to mention here.I know i have pending payments but no one is stopping the bank from proceeding with the legal actions.I have pending payments doesn't mean that the agent can call me till 12 in the night from 6 in the morning i too have personal life which i dont owe to any bank or agent.I am looking for the options to file a harassment case against the agent to make sure that he will not do the same to anyone else in the future.I hope the bank will pay him salary so that he can buy at least some food.There should be a timing given to the agents to work till 6 or 7 maximum but still letting them work and call until 12 is also insane.I hope the higher official to take a look in to this and take some action.

Jith
[protected]

Dear FGB

my credit card in settlement plan and i could not able to make one month installment so i informed the collection department the details and as they agreed i continued my payments asper the plan up to yesterday suddenly last month i received mail from fgb bank stating that i need to make some minimum payment since my plan is cancelled, so contacted collection department they are saying i missed 4 installments after long discussion they agreed to check the details and will back .co i shared all the details mails settlement offer letter but after that she never attend my calls and never responded my mails, please suggest me solution, since asper the settlement next month is my last payment

Dear Sir,
we have submitted the ADIB Manager Cheque as per the liability letter provided by FGB at Dubai Mall Branch on 4th April 2018. I have filled and signed the Credit card closer form and clearance certificate request on the same day. But till now i did not receive my clearance certificate and no response from FGB even after rising compliant in customer service more than 3 times.

Card Details:
Card No: [protected].
Name: Abdul Sathar Abdul Hafeez.
Mobile No: +[protected].

i'm sending this complain letter for my credit card clearance request letter.
i requested the letter last 24rth of march 2018 then they approved it last april 3 2018. they already informed me last april 17 2018 that the letter is ready for pick-up on deira branch. they also assured to me twice 100% that i can get the letter on deira branch, but when i go there twice, the customers service told me that nothing has been sent to their system until now. i need the letter urgently because i'm leaving the country on april 27 2018 (UAE) for my annual leave. and i have i pending transaction on my current bank right now and that is the only requirement that i needed.

SR# 1-[protected]

Since Dec 2017 I apply to cancel my credit card and they have stretching the process as they can.

Till today I didn't receive my clearance certificate however no any outstanding amount and already the card has been cancelled since feb2018.

They have informed me that my application pending with collection dept. And didn't reply to any external or internal email.

Nahed Ahmed - FGB employee at Khalifa city A branch follow up my request and she told the collection dept didn't reply to her email since 20 March 2018.

Dear Sir,

This is the 3rd time in the row this is happening that I have been billed late payment fees and financial charges despite of me always paying full outstanding and well in advance. This is unacceptable and I do not know what to call this behaviour of unlawful billing and deduction of money from customers cards.

please check and resolve this matter or inorder to draw the attention I will have to stop payment so that this mater shall be escalated to the highest levels.

Tel: +[protected]

My credit card no: [protected]. In March-2018 statement they have charged me as billed finance charge of Dhs:409/- and I came to know that before my card payment then clarified with customer care crew, was saying that Dhs:23/- shortage of payment from the statement amount of Feb-2018 (Statement amount: Dhs 10693 and Paid amount: 10670/-) which really missed out by me due to made separate two payment different time for the same. The customer care advised me to pay that Dhs:23/- immediately and raise the reversal request, but after my request SR10624614 some one called from your side as if formal and saying that your request has been rejected (within 2 Hrs. rejected), am really disappointed the way he dealt with me also for missing this Dhs:23/- the bank has charged to me Ds:409/- is unacceptable one. Being a good customer and utilizing your card regular basis consider my request to reversal that amount, Otherwise am forced to stop all the transaction in yours bank card & request for cancellation after completion of my EPP and Quick cash scheme, because hereafter don't want pay any pre closure amount of these scheme and expecting your appropriate action as well.

my mail id: manik.[protected]@gmail.com
Mobile no: [protected].

Best regards,
Sekar.M

Dear Sir
Good day

Our company DISCOVERY MARINE LLC have in FGB since 2016 with (3) business accounts, Account in AED : AE260271191321929645010
The last 10 days our account is blocked and we have no explanation till now why.
Email during this period has been exchanged with Mr. Neslin Inees, but not any answer why our account is still blocked,
in addition we get informed Unofficial by Phone (by Mr. Neslin Inees) that FGB will close our account.
Please check what is going on and what is the reason.
Our Company is registered in Fujairah, and our activity is inspections of Fire-fighting and lifesaving onboard the ships.

DISCOVERY MARINE LLC P. O Box 5025 - Fujairah United Arab Emirates Trade License No 1015378

Thank you in advance and we remain

Best Regards
Discovery Marine LLC
Nicholas Papachatzis
Mob [protected]
email: [protected]@discovery-marine.com

Dear Sir,

I am a cc holder at FGB and I have been having a cc since 2011 12 with FGB.

I stopped using my cc since 2015 and since then the bank has been charging me built up interest and blocked my cc since then.

I was out of a job for 6 months in 2015 and then I got a job by year end and then I lost my job in 2016 and was jobless for 11 months but somehow I tried to make a few payments.

and now when I check the total payament that I had been making I have ended up clearing my entire outstanding with fgb and the amount I just owe them is 3500 AED but I see the kind of interest they are charging on my cc which is neither being used and is blocked since 2015.

I would like this matter to be circulated with the senior management to show how the customer is being charged with so much rage of interest.

Good Morning! I write to get your assistance in resolving the unauthorized and unjustified deductions of varying amounts by FGB from my NBAD account.

It was on February 26, 2018 when I first got a deduction in the amount of AED 3, 093. The very next day, February 27, another AED 1, 000 was deducted from my NBAD account, prompting me to call NBAD to get information on the two consecutive deductions. I was simply told that the debits, as per the system, were for "FGB Liability."
I then called up FGB at [protected] where the attending agent explained that the deductions may be for missed or delayed payments. However, upon further check, the agent agreed that I had no payment delinquency.

On March 26, 2018, a staggering amount of AED 5, 400 was deducted from my salary. This was followed by another deduction of AED 1, 700 on March 27, 2018.

I called NBAD another time, to be told by the bank's Michael Munther that all the monies, now totaling AED 11, 193, are "on hold" against "FGB Liabilities, " but not credited as credit card payments.

Next, I called FGB where the attending agent, not being able to provide a concrete explanation, offered to forward my complaint to the Collection Department.

On March 29, 2018, Melchor of FGB corroborated the finding of NBAD that the monies are, in fact, on hold and not credited as payments to FGB.

I am diligent in paying my credit cards with both NBAD and FGB, and have no other liabilities with them. I have not defaulted on any monthly payment also.

Now, my current account with NBAD shows a balance of -AED 3, 600.

Given the circumstances involving two banks - that have recently merged adding to the complexity of the situation - as described above, I am impelled to bring my dilemna up to the Central Bank. I hope that by doing so, I will get a speedy resolution to my case and get access to the monies that are lawfully mine.

I hope for your positive reply. Thank you!

Hi,

I have 2 credit cards appearing in my AECB Credit Report. Though the amounts are not significant I will still want to request for helping to clear my records.
I do not have the cards with me and I did not activate it as the sales person who sold the card to me said that it was life time free card and when I called for activation the customer service personel told me that it has annual fee and hence I did not activate.

I have contacted AECB at :[protected]@aecb.gov. ae" and they have advised me to contact the bank directly and see if it gets resolved. If not they have advised me to send an email to the above email id to start with.

Kindly assist in clearing my records

The details appearing in the AECD report is as follows.
CB Contact ID J03821588
Credit Limit - AED 13, 000
Status - Active

Cb Contract ID [protected]
Credit Limit - AED 25, 000
Status - Active

My Personal details as mentioned below

Name - Abey Anil Joseph
EID-[protected]
Mobile-[protected]
Email - abey. [protected]@gmail.com

Hope to receive a positive response from your side at the earliest.

Regards

Abey Anil Joseph