First Gulf Bank [FGB]
Reviews and Complaints

Dear Team,

Please ignore the above email as it was sent incompletely.

I would like to formally file a complaint against FAB customer service and trust me, Honestly, this guys have the worst customer service ever!

I had a Flexi account and a card with FAB bank and since I am approaching for a loan from ADCB Bank, they wanted to buy out these two cards of mine.

Now, I have followed the process from my end clearly but below are the points where they have been very irresponsible and has caused a huge inconvenience to me.

* First, they informed me about the wrong outstanding amount.
* Then I applied for liability letter accordingly and they promised me to issue it in 3 days wherein they took 10 days for the same. (You can check the call recording)
* Based on this fake promise, I planned my next steps, booked flight tickets to India, booked an appointment for a lawyer and also booked an appointment with CIDCO for the registration of my flat in India and also applied for annual leave which all got wasted and I had to bear all the loss!
* Now when this is not done on 4th day, I use to call them every day 2 times till the next 7 days and then finally I got the liability letter!
* Now the liability letter had a completely different amount which included the interest of all the 4 years which was not communicated to me earlier and even when I m paying them 3 years before the tenure of loan period they are charging me the interest for all the 4 years!
* Now since I m in urgent need of the loan, I agreed with that as well and my bank issued the cheque.
* Later, I have requested them to issue a clearance letter urgently as the liability was already delayed and I was wasting my annual leaves and the managers - Mr. Abhineet, Manoj, Rehman confirmed the same.

From 15th again, I m following up with them for my clearance certificate but I have not even got an update till today!

Can u all believe, I m still on my annual leaves waiting here for the clearance letter to get issued and then only ADCB bank release the amount in my account.

On top of all this - I will be charged EMI for my loan from ADCB from 4th April itself wherein I haven't received any penny yet!

Can your team please help me with this as I am really stuck here and I don't know in which language I shud speak to them and make them understand my poor situation here.

I really don't know why are they not taking this seriously as I am paying them all the fees and charges correctly.

PLEASE HELPP!

To the Senior Management of FGB,

I writing this email hoping the the higher Senior Management of the FGB, would pay attention and hear out my complaint and request.
I was having a credit card with FGB where i have been paying monthly minimum amount for so many years. There are times that whenever i have extra from my budget, i always try to pay more than the minimum amount. If you will check my record, i am pretty sure that you can actually consider me as a good payee. In fact, there was even a time where i have paid off all outstanding balance on my FGB credit card.
It was in last quarter of 2016 (if I can recall) when i finally decided to visit the FBG office (after one of my friend advised) and seek assistance on how i can reduce my outstanding amount since i have been paying the monthly min. amount. FGB offered me a plan where i have to pay, AED2, 930 per month for 36 months. During that time, i was very much confident that based on my financial status, i should be able to cover it.
Unfortunately, last December 2017, I had requested for my salary advance as i had to travel back home on 2nd week December 2017 after my mother in law was diagnosed with staged 4th cancer. I am the breadwinner in the family and given the situation, my financial structure and stability was changed. I came back to Dubai on 3rd week of January 2018. That time, i had already missed out my 9th January 2018 due date with FGB and so their agent been calling me. That time, i was able and managed to find ways to pay my due amount a week after i came back.
My Feb 9 due with FGB date came again. This time, i already knew it would be impossible for me to cover it as i have received less salary due to the unpaid leave they have to deduct from my salary plus the advance salary i took in December. In fact, i was not even able to pay for my house rent in February and i am grateful for the understanding of my landlady. During this time, FGB agent have been calling calling me every now and then. I explain my situation and was requesting if there is any possibility to reduce my monthly due in order for me to comply on the monthly payment. Without even hearing me out, the agent immediately saying that there is nothing else they can do, I have to pay. I told to the agent that of course I am the interest to pay but only thing is that, I am requesting to reduce the monthly amount due so I can comply. Although I had to faced difficulties and full patience talking to her way of talking (agent is raising her voice), I tried all my best to convince her to at least try to speak to her Supervisor regarding my request.
Surprisingly, the next call I received from the agent is an offer of restructure payment where I have to pay AED5, 500+ If I'm not mistaken. I told to the agent that offered structure doesn't make any sense at all. If I can manage to pay AED2, 920 per month, then I do not have to missed out my monthly due with FGB and my request is to reduced my monthly due and not to increase.
The next call I received from the FGB agent was a call from the most ill-mannered and uncivil abusive person on Earth, I would say. She was shouting from the very beginning of the call as if you are being threated like a trash. She was not letting you speak at all and this kind of treatment can really give you a very traumatic experience and injustice effect to you psychologically with all the threat they're throwing to you.
Hoping to get the right person to talk to, I decided to wrote an email to FGB (nishant.[protected]@bankfab.com) on 14th march with regards to my request and to raise the matter on the unethical behavior of the agent for which I didn't receive any reply (as usual). Please also review the previous email communication I had with vimla.[protected]@fgb.ae
I called the FGB [protected] and spoke the FGB agent, which I just realized now, while writing this email that must be the same agent who was calling and talking to me unethically, same agent I am written the email to, and the same agent who hanged up the call on my face this evening when I called.
Now, I am taking another chance and hoping that the higher management of FGB would pay really look on this email of mine and would hear me out.
I am not running away from my obligation to pay neither wish to receive this kind of treatment from this ill-mannered agent of FGB but instead, requesting to restructure my scheme into 4years probably to reduce the monthly due and to take out the interest on it so I can finally close this matter with FGB.
I also believe that the FGB higher management should take time to review and look into the procedure especially on how they're agent handle their clients in this kind of scenario. Regardless of my delayed payment, the FGB agent do not have any right at all to treat me that way. Please review all the call recordings between me and the agent.
I will look forward to hear from FGB on this sentiment and request of mine.
My contact record is still the same, [protected]@yahoo.com / [removed] in case you wish to reach me.

Best regards,

My Flexi account number [protected]

Today I received a call from Mr. Sayed Collection department (called from 046075890), who is informing I have received a legal notice has been send to my mail id @ [protected]@hotmail.com and he is threatening me that I will pay my dues only if I forward the matter to Abu hail police station, till date I have not received any mail from your legal department.
I agree I dint pay my due for last couple months due to my personal issue. But I am arranging for buy out option from RAK bank through which I have already closed Dunia and ADCB loans and waiting for Cash release from RAK to settle the FAB pending.
clients should not be taken for granted by cheap collection executive by the way they talk with clients.

I have requested for cheque book request on 25 th Feb 2018 at FGB/FAB Salam Street branch.Customer care representative, named Macit /Cheril who attended updating my visa and emirates ID and cheque book request confirmed within 4-5 days i will be receiving cheque book. Even after 8 days no update . when i checked with the salaam street branch-on 05th of feb, they updated me that they send the documents for processing day before 5th . i got shocked, after 5 days only they send the documents for processing. it will again take 4-5 days for processing even more. The Branch staff is really unhelpful and even not responding to the customer requests properly, they are just treating as we are requesting to do something . even after 2 weeks there is no update where is cheque book request, when it will get delivered. even tried with Call center and there also no update. they mentioned the details are not updated yet in the system, no status also.
mailed to salaam street branch manager as well to sort out the issue as part of my loan acquiring i have to submit the security cheques as soon as possible to avoid the cancellation. clearly mentioned my concerns, there is no response at all even after multiple mail from the respected managers, then how the staff will respond.

I am very disappointed with the customer supporting services.

Dear,

I am very upset with the way FGB/FAB bank is handling my request made on 24th February 2018 by calling customer service number 600525500

I was promised that I will get my liability letter within 7 working days and today is the 8th working day, however, there is no response from the bank. Their Social media team and call center representative are always unable to help or give proper information.

Please help.

Regards,
Harjeet Singh Bhatti.
Mob: [protected]

I had a credit card from FGB in 2010 and was having issues with payment.
Bank refered the case to Dubai police where I settled at the Police station the check amount of AED 10, 000.

Since then I FGB one Mr Vijay categorically called me and told me he will put bad CB rating.

I am willing to resolve this but want someone from bank to consider my case call me and assist to resolve it.

Doc attached.
FELIX AWITI.
+[protected]

I have left no respect for fab to address but left with no choice.. You have put me into life and death situation by destroying my living condition my only survival to able to look after my family with which was my salary, you have been not releasing it since (4 month) you merges the banks.. I am fail to understand am I only one who will clear up all ur mountained loans given to other people have some humanity towards me.. I have family to look after my daughter is not been able to go to school since it started after summer vications not been to live in my own rented flat sifted to sharing accomandation with my wife n daughter n even there not been able to pay the rent.. Sold my car in less amount with no benifit of doing it still not been able yo tranfer because of having no money.. Have been surviving on asking money from people which now seems hard bcoz all are demanding back there money..

I had surrendered my credit card after paid all outstanding dues in the month of December2016 after which no transaction had been made by using the credit card. Aghast! Still I am receiving the credit card statements which I am not able to open the pdf. For past one year I have been receiving the statements. Kindly advice and do the needful at earliest.

Regards,

4578...3016

I got an email that RSA regarding a Policy - Policy number: 5/1/020/[protected] with annual premium: AED 125. But I am not agreed for this. I dont want this coverage as I am no longer in UAE. So kindly cancel the policy and reverse the amount from my Credit Card Statement. How come someone add a policy without my knowledge. I am not responsable for any dues on my Credit Card as nothing is payable as of last month. Kindly cancel my card as i lost it too.

Thanking You

THOMAS GEORGE

Responsible person in FGB
With reference to the credit card and complaint raised vide [protected], repeated calls and follow up, still the status is in process.

I request some responsible personnel if available in FGB to attend to my case and try to resolve.

For the error done on part of FGB end, customer has to bear the consequence. i did not receive the balance transfer i requested to my account, as the account no was taken incorrectly. while i have to pay for the installments for the amount which never touched my account. Its quite ridiculous . w

i had raised complaint on 15th nov, and repeated calls on every day basis till 30th nov the answer was IT IS IN PROCESS.It takes how many days for a reputed bank like FGB to find solution to the mistake committed from FGB itself. Hope its quite understood that the credibility of the bank lies in customers hands.

i hope there is some senior persons who can intervene and resolve the situation

FAB (FGB) service is very bad & I am fed up with this bank. I have loan with FAB (FGB) & I already applied for liability letter on 22-11-17. Same day they deducted AED 100 for issuing the liability letter. I visited the Salam br.-AUH four times & even contacted the customer care through phone several times but they did not give a positive reply.
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FGB Loan Account Number: [protected]
I would like to inform you that I have applied for liability letter in FAB (FGB) bank on 21st November 2017 but until today I have not yet received it. I contacted the Salam branch Abu Dhabi and customer care several times but there was no positive reply.
I have two loans one in FAB (FGB) and the other in ENBD. My wife lost the job so I am finding it difficult to pay the loan with high interest and I could not pay the two EMI and credit card (FAB EMI AED 2887/-, ENBD EMI 2974/-and Credit Card AED 1700/-).
ADCB bank agreed to consolidate my total debt with all the banks and they approved salary transfer loan with very low interest and will cover all liabilities with multiple banks.
I applied for liability letter in ENBD on 21st November 2017 and already I got it on 3rd December 2017. But I did not get it from FAB (FGB). They already deducted AED 100 on 21st November 2017 itself for issuing the liability letter. Now FAB (FGB) is asking me to pay one more due EMI then only they will issue the liability letter.
Currently I am not able to pay the EMI due to financial problem. So If I get the liability letter from FAB (FGB) I can solve the issues. I kindly request your help to get the liability letter from FAB (FGB).

I have been a loyal costumer to FGB Bank for the past 6 years and have been settling my monthly payments diligently and without a single fail for the past 6 years.
The credit card number in my possession is 5242 xxxx xxxx 9018 with a total outstanding due of 15 000aed.
I have been paying since my beginning with FGB for a facility called credit shield that would essentially provide me protection plan against job loss, in simple terms a facility that would cover my monthly instalments towards the bank in case I lose the job.
Recently I have lost my job and approached the bank to assist me in activating the protection on the credit card.
I visited the FAB Bank branch on Salah Al Din street on Sunday 03/12 /2017 and explain to the employee my problem and the reason why I am there.
The employee:
1. Refused to record my insurance claim request
2. Refused to give me a refence number
3. Refused to accept the request
4. Refused my right to meet a Senior Manager
Facts speak for it self!

My credit card no. is 4242 xxxx xxxx 2010. I have submitted all the relevant documents for activating credit shield to Fgb on July 12th. It's been 4 months and they're not telling me anything. I keep receiving emails with threats of legal action against me. I have even made 2 payments after my job loss because I believed that after that they will activate credit shield. They're fooling everybody. Please stay away from Fgb. It's a fraud bank. I don't know what to do.
If anyone has any suggestions, please WhatsApp me at +[protected]. Thank you in advance for your help.

Dear Sir/Madam:

I have been a card holder with your bank for the past 3.5 years and have always made my payments on time. However, I am formally requesting that you to reduce the limit on my credit card . I Requested your Customer Care on 12-Nov-2017, 8.00 AM But Still Now i Not yet Received any call from your Side.
If my request does not receive a favorable reply, I will need to cancel my credit card with your bank and file a complaint in central bank.
I would like a representative of your bank to call me at [protected] or contact me by email at [protected]@gmail.com to notify me of your decision about reducing the limit on my credit card

I would appreciate your prompt attention to my requests. Thank you for attending to this matter.

Note: Please Reduce the Card Limit Today
Hariharan ilangovan,
Id no :[protected]

im very disappointed that i had a very bad experience last week some one from your collection agencies had called me and felt some threaten from the person that he is going to take legal action for my non payment of my credit card, i had requested for a small period of making the payment and this guy who was not allowing me to speak anything from my side, then he disconnect the call before completing the conversation

i would like you to take a strictly action on this and if required i can arrange a voice clip of the conversation

Thanks

Regards
SUhail

I have received a call today at 10:52Am from the collections department of FGB [protected]). The lady was not so "customer friendly" and was raising the voice on me. I am paying my FGB credit card regularly and this is the only month where i got delayed in paying my monthly bill. I have spoken to her in a calm way but it seems she is raising her voice and was kind of being bossy. I am still trying to secure the funds to pay as soon as possible. The delay of payment was because of my mom's operation, if there any penalty for the delayed payment, then proceed with it. I am waiting for my car to be sold to be able to close this account for good..

I have recently attempted to cancel my balance transfer plan on my credit card with FGB.

I first visited the branch with a cheque to cancel my card but they provided me clearly false information that I had to apply for a liability letter and couldn't settle with the cheque. This was clearly false as after depositing the cheque in the deopsit machines at the same bank it was processed and reflected a few dats later.

Once I settled the outstanding balance I was expecting to have to pay a small cancellation charge as I has with Emirates NBD previously. However I was informed that in addition to settling the pricinciple I was required to settle all the interest that would become due over the entire remaining period of 31 months, have only gone through 5 months of the 36 month period. I laid a complaint as to whether I had ever been informed as to that term.

I received a call back from the complaints department who informed me that I had agreed to the terms with the sales operative on the original call but they were unwilling to provide me a digital copy of the call for me to review it myself. They were basically saying that I was committed to terms and conditions based on a phone call but were unwilling to provide any evidence and instead told me I should trust the bank, the same one trying to charge me interest for periods that I was not going to have any principle balance due to them, and the impartiality of the complaints department.

Firstly I see no reason why they wouldn't share this information if they are an institution with any integrity and transparency which a bank should be. In addition the terms they are saying I agreed to are even legal. As far as I can tell based on the Appendix No.2 of the Regulation No. 29/2011 Regarding Bank Loans & Services issued by the Central Bank of UAE states: "Early settlement from same bank loans is 1 per cent of the remaining balance of loan." If that is the case then how can they claim they can require all the outstanding interest?

Hi, i am very very very unhappy with the kind of servive your agents provide. I have lost my iob and in the process of getting a new job i had explained eveythinh to the agent and i had made an online payment but the agent wants me to go to the brank and make the payment i had told her there is no way i can go to the brank to make the payment. If you chck my payment history all my payments are made online. And then she keeps shouting at me and then asks me to hang up and not talk. I had asked her if i can talk to any manager she said she cannot trasfer and asked me to hang up. Is this how u guys treat ur customer. I understand completely i owe the bank and i am not saying i will not pay, however is this how u ppl treat your customers . Very very very disappointing. I will never ever recommend fgb to any bank

I had closed my personal loan some three months ago but my clearance letter is not ready yet. Several complaints have been lodged with the customer care and branch and until today no response or followup from bank. I had written to FGB atyourservice which went in vain as there is no response from the bank.

Whenever I call the customer care I get the same message that a mail has been sent to the branch for immediate action. More than 7 complaints til now and there is no followup call till date. An useless service request is raised every time I call them just for formality. SR10208060

My Account details:
Loan No: MG1413400058
CC no: [protected]

I am mercy ROSLIND, my card no [protected], I have one credit card, , before my vacation I paid my out standing, after my vacation I didn't receive any sms for the payment, , now I know it's late payment of 298/ I don't know about the 298/_ balance-, , , nothing information from the bank for298/now they send to me 1200some amount, , i can pay only 298/if it possible, i will continue my card other wise, , i way to stop this card, , i can pay my balance 298/_, pls give me immediately reply