Rakbank / The National Bank of Ras Al Khaimah
Reviews and Complaints

Rak bank simply better?
Please change this tag line, it does not suit the services and/or policies of rak bank.

My complaint is primarily focussed on the false, bogus and totally flawed cash back schemes run on rak bank titanium credit cards.

The card is sold to the customers by ensuring a 3% cashback and sometimes even a 5% cashback. And after a few months of usage when you realize the cashback is not in line with the promises made, you call the call centre and come to know that the scheme offers a 1% cashback on purchases made below aed 10000 pm, 2% on purchases made from aed 10000 to aed 25000 pm, 3% on aed 25000 plus purchases pm, and 5% only on international usage!

If that lie is not enough for a "simply better service", there are more ways to make fool of customers.

For my september bill, I ask why I received 1% cashback when I was entitled for a 2%. I get a reply that my bill is less than aed 10000. Then I ask why a bill of 9503 when my spending is very well above 10000 & hence entitled to 2% cashback. I get a reply "sir you have to make the purchases before 14th of every month to get them included in the credit card statement and hence get you 2% cashback. We cannot do anything in this case."
At least the telecaller was polite & I tried to forget this case & lose aed 100.

Now for the current month again when my statement was 9124, I make it a point to go and buy worth 1100 odd on 13th night to get the 2% cashback & not leave rak bank with any excuses. But to my utter surprise, rak bank has another new way of justifying the aed 100 loss to its customer by saying "sir it is jack's fault that they took the money on 17th not ours & u better deal with jacky's!" and wow what a rude tone & on asking do I scrap my & my family rak bank cards, a very convenient answer pops out of my telephone set "sir it is entirely your wish!"

Is this what you call "simply better"?

So a net loss of aed 200 in three months time, please give me one good reason why not to be upset about the entire scenario!

I had credit card with rak bank in uae when I was working in abu dhabi and due to bad sponsor and bad management I had to leave the country that too they made me to leave the country in bad way for which I am banned in the country for furthur jobs. Due to which I had financial crises for many months and I was unable to make payments for the credit card.

I had emailed them several times that I can make the payment in installment or I can pay them in emi which is accepted in every bank in but rak says they won't accept the payment like this, and they want all the money in one shot, which is literally not possible for my at my current situation. I requested them many time, and I had some payments as well but this bank despite of knowing all the situation are imposing interest further and making the things critical for me, and now a days they started threatening me for making the payments. And even my old parents are suffering because of all this mess created by bank. I tried to contact senior officials in the bank but never got there contact ids.

I am writing here hoping to get some help from here, I never said no from making payment only thing I require is some time may be of 4-5 months and they should roll back the interest rates imposed on me so that I can make the payment for the actual I had spend which could be in benefit of both.

Credit card no : [protected]
Bank : rak bank
Uae

Regards
Aby george

This is with ref towards the insurance claim of my card [protected].

Im so sorry to say that the response from Ms tanias end is totally dejecting and just because of her irresponsibilty and wrong information I have lost my insurance.

Upon losing my job i called up RAK bank and they guided me to your number and upon calling (after trying for 1 full week where everytime the call would deliberately go in voice mail, which I was able to understand from my experience with your service) you had informed me to provide my Termination letter, Visa cancellation page, Offer letter .Ms tania fernandez informed me to come to the branch and provid ethe documents.You also added that the same will be processed in 3-4 weeks.U informed me that I can submit the same within 3 monthsupon cancelling my visa

I came to your office as per your instruction and at that time you told me that you need the visa page without cancellation.
Later on I scanned the documents and forwarded to Ms Tanias end.There was not any response and i used to try daily to conatct her and for a month thecalls were not answered and the same as mentioned before would go to voice call.Finally I got the phone connected to one of your colleague and thru her i got a chance to speak to you.The way of your talk was so rude and you were yelling at me and you told that my case will definitely get declined because i have crossed 60 days upon losing mey job.Later on you told that you have not recieved any information from the insurance, and again you gave me hope saying that my insurance may get processed as my termination was genuine.

Now Its going to be 6 months and till date no response and nothing.Im entitled for around 4500 Dhs as I was paying for the credit shield.My termination was genuine and if my insurance claim is declined its nothing but coz of your improper information which have misguided.If you misguide in such a way no one will get their insurance cliams.Upon losing my job, when i calle d her up why didnt they inform me the procedure, why did she ask fo rteh cancellation paper.
I need a clarification or else i will go legally against this and would definitely make the public aware of such forgeries that the employees are doing inorder to make a persons insurance get declined.I swear that I will go to any extend to make this sorted out so that atleast the rest people will not get fooled.

Sajina
[protected]@gmail.com