CIMB Bank
Reviews and Complaints

I am a cimb bank user but recently I have experience a bad service from cimb atm machine. on sunday 09/10/2011 (14.08pm) at jalan gopeng cimb gunung rapat ipoh perak branch I withdraw cash (rm 1500) but I only received from the machine (rm1350). so I am confused and wondering where is the another (rm 150) gone. this make me very disappointed and upset with the service of the atm machine because to earn back that (rm 150) is not easy.
I hope the cimb bank will taken some good action to overcome this problem. if this problem still continues on I think I should take over this problem to the higher level. so, please kindly look over this complaint as serious because this can give a bad reputation to cimb bank. not only that, I think most of the customers are facing this problem. thank you.

I just want to share my experience with CIMB Auto Finance service. I initially took my car loan from Southern Bank Berhad (SBB) in 2003. Some years later CIMB had taken over SBB. I have to give credit to CIMB to their excellent branding and marketing strategy. But, their auto finance department is not being headed in the same manner as CIMB other banking segments which is friendlier and more customer oriented.

What I irked most is when their incessant operator will call timelessly to remind to pay the car installment on time. Well really it is a excellent service a reminder, but the way it was conducted is rather malicious as their operators were not well trained to do the JOB properly, they are behaving more like 'along' thugs, threatening us to pay ather than a gentle reminder.

I am called to write and share this complaint because today I could not tolerate it anymore. At 9.42am 27/07/2010 I called the CIMB Auto Centre at [protected]. I called just to questioned what was my oustanding amount as I have missed my previous month payment. For the past close to 7 years I have timely paid my installments, only in a couple of ocassions I may have missed a month of payment or so to roll my account but never to the extent that my car get a reposession notice. But, today when I call the centre, not only I got a demand by the operator to pay my installment but additionally a threat to reposses my car if I failed to do so by end of the day. The operator even got the guts to request for my address to sent the reposessor to. That really boiled me up, I am not borrowing from thugs and yet I got such a treatment, is this how a leading financial institution in Malaysia treat their customer? Besides I have only 4 months more of installments to pay before i complete the loan repayment.

I would appreciate anyone who have had the same experience with CIMB to come forward and give your comment here, maybe one day Datuk Seri Nazir Razak will have his already wide opened eyes set on our complaints and dissatisfaction.

I really wonder how come the poor services from CIMB bank could lead Nazir to the TOP CEO award in Malaysia. One word i can describe CIMB which is BAD services. My advise to all the CIMB customer or potential customer. Do really read through the contract term and condition before put your pen on the paper. Please do not trust what the salesperson or hire purchase told you. This is because they are granted the commission once the loan approved and they won't give you the best rate. Maybe in another way they will give you the best rate or the lower but when you read through the contract you will know how much rate they offered you. This is kinda strategy they are using in order to tame your signature. Kindly beware of it!

CIMB bank (Pandan Jaya branch, Selangor) is doing their job in with not professional way. I have deposit a bank cheque from foreign country and the amount it is in US Dollar. They told me that they need more than a month to process the cheque. I am fine with that. After a month, when i call to the Pandan Jaya branch, i am shocked because they told me they lost the cheque and currently they are looking for it. What a serious human error and i will definitely take action when they failed to find it. Please do not trust CIMB bank.

After countless deal with CIMB (KLCC). I decided to refinance my housing loan.
Enough is enough. They (not just one staff, anyone at the front desk is the same) are not just rude, unfriendly, lazy, irresponsible, arrogant and any bad attitude you can think of. These all types of bad attitude and service can find it in CIMB (KLCC Branch).

Wasted my time, money and effort dealing with them. They just don't respect customers.

It is very sad and shame that how they want to be a premium bank for providing such bad service. You can try another branch, which I heard they perform better. The branch is at KL Centre branch.

Warning, KLCC branch is definitely not the choice.

In April 2011, CIMB performed a technical error transaction by transferring auto debit twice, they subsequent reverse the major amount, but not the Bank Charges of RM 1.00 Effort has been made to inform the bank officer, but they said the best they can do is to file a complain but customer will be penalized for RM 1.00 of the mistake they done. Imagine the impact of RM 1.00 affected 1 million Malaysian, CIMB will be happy to earn RM 1 million from Malaysian, for individual RM 1.00 is not a lot but CIMB is a reputable banking institution they should reverse back the Bank Charges of RM 1.00 to fellow Malaysian. This is not reported and customer only realized when they check their bank statement.

On 21 Feb 2011, I was at KL Central on the way to the airport for my flight at 17.25 to Jakarta. I wanted to withdraw money from CIMB ATM machine and take the 15.30 bus to the airport. While the machine was processing the transaction suddenly its operating system shut down completely and restarted, so it retained my CIMB ATM card!
I rushed to the CIMB branch in KL Central and asked for help but they said they don't have the key for ATM machine and I have to fill up request and wait for them to process. I had to hurry, if not I would miss my flight so I didn't have time for all that. I had NO cash with me at that time and I had just counted on the money in my account, so I tried to find someone to borrow RM10 to reach the airport, at the same time I called some of my friends to come and pick me up. Finally one my my friends managed to pick me up maybe 30-40 minutes later.
We rushed to the airport but I missed my flight anyway! I had to buy the next flight at 18.15 because i had some important work in Jakarta. So I went through a lot of stress and I had to ask money from people like beggars and finally I missed my flight, just because of one faulty machine which had not been maintained for ages probably!
Now the annoying part is that the CIMB CRU (Customer Resolution Unit) instead of compensating me for the loss they caused, they are putting the blame on me because I didn't have enough money on me or I was rushing to the airport. They are just the fake version of complaints units in the foreign banks, and trust me, the only word which can describe them is 'STUPID'!

I called CIMB Call Centre on the 12 of January 2011 at 2.10pm. I was trying to explain that I have forgotten my e-pin no. for my CIMB clicks current account. He was talking to me like a robot and some point downright rude. I know most people who calls does not know exactly how things work. The telephonist need to be more friendly and more understanding of people's predicament. CIMB should train their people to be more sensitive and patient in expalining things to their customers.

I myself and my wife are both really tired and disappointed on the service of CIMB in KLCC branch.
When we were apply for the housing loan, we told the banker that we have company subsidize. But finally, because of the lazy, irresponsible, and slow respond... We couldn't get the company subsidize.

Recently, my wife called CIMB to inquire for some information. And the information can't be obtained at another branch. So have no choice but to call KLCC Branch.
To our not so surprise, the "Lady Agent" who processed our documents have left the bank. So my wife talked to another person. He said, he can't check our record, because he doesn't have the access to the system.
My wife ask to pass to someone who can help.
But he said there is no one available to help.
So, OK. My wife called back later.
Same, no one is available to help. But this time my wife requested someone to return call, and leave the contact number.
Not to our surprise... Never call back.
During process service is bad, after service is bad. I wonder how this bank can be a premium bank? Maybe some other branch is better, which I understand from my wife that the KL Central Branch is more polite.

My comments for KLCC Branch is as follow:-
1. Irresponsible
2. Not listening to customer request
3. Not getting things done correctly. (Resulting in we lose company subsidize)
4. Slow respond (This is to the person who process our registration form for the housing loan, we have to keep chasing. We almost have to pay penalty.)
5. When we have to keep chasing, their respond is not friendly
6. Deny their mistake and blame it on customers
7. Do not welcome customer (We make mistake when we first felt that we are not welcome as we walked in. We thought it is ok, we don't have to be treated like valuable customer. We just want some professional advise and applying house loan. But ignoring the feeling is the result of our great loses doing business with this bank. We lost company subsidize, our time and money. I should have had walked away at that time.)

We have to sign the agreement even though we do not agree on the loan agreement. Else we had to pay the penalty.
Conclusion, just walk out of the bank if you're not welcome by the bank. Just one or two workers can already see the entire performance and service of that branch.

Very disappointed CIMB Customer,
Daniel

I call to CIMB card centre ask, can I cancel my one transaction for my credit card but the call-service person mis-understand that I want to cancel my installment plan for the transaction. I just release when I get the statement the transaction still there. I call for CIMB card cantre for enquire but they say I the one who request for the cancellation installment plan not the transaction and explain that if I had do cancellation the transaction must through merchandiser. Why they didn't explain on earlier call or they didn't understand why I request from 1st call? Beside they charge me RM50 for the cancellation of installment plan. Although they had make a mistake but I make a step that I don't want to be to troublesome so I request them to turn the transaction back to installment plan but they said the management not allow it. Why they not admit they make a mistake?

1. On 29th April, i did cancel my CIMB credit card by going in the CIMB branch at Bukit Jambul, Penang. The staff there have help me to make a call about the cancellation things. He did ask for the total amount to pay on to closing the account officially. The customer service have confirm with me the total amount and i did paid for it instantly. In case, this credit card account should be closed instantly or in one day time. But the problem is why is it still can have an auto debit case happened on 17th May? My credit card account should be clear and clean after I cancel the card and paid for the last time on 29th April. Then one more thing is that only on 29th June only I received a statement about an auto debit of WWF. What a funny thing going on, April I closed the account, May CIMB still can let WWF make a auto debit transfer then by the end of June you send me a statement to paid for it. If I am having several auto debit account then did I need to pay too?

3. My credit card still active until 29th June. How could it happen since I asking for cancellation on 29th April? In this 2 months time if credit card accidently swap by other people, does CIMB still approve the transaction. The key point is I doubt your do not make my account close when I asking for cancellation on 29th April.

2. Courier charges is not one time charges with the replacement. I have replace my credit card on December 2009, on January or February the bank have charges RM15 in my bill for that card replacement. But the customer service said i still have one courier charges need to paid after six months period, while the courier charges is RM4. How efficient is your work ? Why your customer service can’t track back this charges when I closing the account?

If the problem is the common complaint for our company then you really should consider all this thing before all customer run away from your company. Is not only about the amount but the procedure at cancellation have make me lost my confidence on your bank. Please check back who is wrong in both case. I am not going to pay for your company mistake or careless otherwise. I also will consider to bring this thing on media if you want to leave your responsible just like that. Please revise it as soon as possible.
Thanks.

Card Holder : Chai
Credit Card number : [protected]
Contact number : [protected]

ON the 20/5/2010, I had parked my car at Kelana Jaya Giant and when I got back from the clinic there was 2 Indian guys parked behind my car to say that they are from CIMB car Auto Repo n mention that we did not pay as stated the amount due. But when I check with my family, they have but a bit late. As till now we are still trying to get the right person to speak to to get this matter cleared and it is so difficult as they will pass you to one to another like a bouncing ball. Come on, my mom is 70+++ and this is outrageous!. Buck up or I will personally go to your CIMB CEO on this matter!

CIMB Management,

Please take a look seriously into your customer. You have a Customer Service Department but it has no meaning if this department can't help with customer enquiries, complaints and satisfaction.

Noted that CIMB is part of Government Lick Company (GLC) in Malaysia. Therefore, you are half corporate and half government company. But by looking at your staff performance & services, it seems your company direction is towards becoming a full "government service style" which not reflect as a big corporate company at all. It is very dissapointed to highlight on this. But it is the truth!

Apart of your customer service, you may also need to have a frequent look into your ATM machine, Cash Deposit Machine and other machine you have at all of your branches which need to be service more frequently to avoid customer to experiance a bad thing while using it. I myself had experiance it. I've use cash deposit machine to deposit 60pcs of RM50.00 at the machine but end up the machine error and stuck. I need to login in a service report at the branches. But after 3 days as promise the issue still not been resolve.

I really need the money to be deposited to my account which I need it very very urgent to be use. I also had email to you via your website link but it was such a very very slow reponse. I've notice as a customer if I need any help it was difficult to find info on how to contact your management. You only have at the bottom of the webpage stated contact us. When I click it appear a page compiling the details on How to reach us?. But again, I was dissapointed. When I click the link on the right hand side indicate for branch locator, the link bring me back to the same page again. There is a list of service channel that I can choose. All the links also freeze which I could not choose a proper service to channel my enquiries.

What is the page actually are for? http://www.cimbclicks.com.my/contactus.htm. If it still under maintenance, does it suppose to appear an advise note? This kind of "small issue" to the management is actually a "big issue" to customer. You will loose more customer is you continue to have all of the poor service I had highlighted above. Do take more consideration towards your customer satisfaction. As a Customer, I'm writing here to see improvement not for a sake of complaining.

Last but not lease, I also notice some of your service staff a rude, not friendly and very slow in response to customer needs. Do train them more!

Yes, it's very time consuming and tired to deal with CIMB. I have a bad experience on my housing loan.
from February until today now, the whole thing is not settle.

From beginning me and my wife have already told the person we deal with that we will be having benefit from my wife's company. We submitted the letter from my wife's company together with all our others documents during applying for the housing loan.

The CIMB front desk Puan told us, all documents are gathered.

Then we waited, and waited. Few weeks later we made several calls to inquire for the status.
It was not done. We called again, then only told me that I need to submit the latest bank statement. Ok then at the time we submit, we asked about the Islamic Banking, and told her we prefer Islamic housing loan.
She said "Susah lar, she has to key in everything again."
(Why we weren't advised of alternative package at the beginning in the first place. Then she doesn't have to re key in into the system. But I thought it is ok too. We will wait.)
At that time I thought it was just her statement, I didn't know that she didn't proceed at all. Because I already inform her that we prefer that package.

Then finally around end of March we got our loan approval. Yet, it wasn't Islamic loan agreement. I accepted her explanation. But I still insist on applying for Islamic Housing Loan.
Then waited another 2+weeks. (I do not have the exact figures).
But the point is, my wife had to keep calling the person in charge.

Finally, we thought everything was settled around in April. Then we signed the loan agreement, because even our lawyer was asking us why our loan took so long.

Then a week later, we only found out that CIMB did not split the current account that is requested by my wife company subsidize. We went back to her, asked why was the account not split. She said we didn't inform her.
(But I thought CIMB is the panel of my wife's company. Didn't they have the agreement or documentation or something? Didn't we applied the loan with the letter from my wife's company that was showing the amount.) Now she was like telling us, we didn't tell her that we did not inform her.

Now, still waiting, kept calling. I even have to beg her to keep us updated of the status. Because it's running out of time. We might have to pay the penalty or even lose the benefit. Already 3 weeks, she still telling me that the department still having meeting on this issue. It is harder than if we reapply the loan again.

We just want a housing loan with company subsidize. Why is it so hard for a professional banking to handle our case?

My wife even have to suggest to her what to do in such situation. Don't they know what to do? Or they just hope that all their customers go away. Go to another bank. Don't come to CIMB. Are we demanding too much that they can't handle our situation?

Please CIMB, please do something on it. If CIMB really can't handle our case, please at least let us know.

Regards,
Daniel

Pada 06apr2010 pada jam1617hrs, saya menerima panggilan dari cimb yg bernombor 03-[protected], kakitangan tersebut bernama wahidah. Beliau dengan secara kasarnya memberitahu saya bahawa pinjaman kereta saya telah tertunggak selama 2bulan. Cara beliau sangat kurang ajar dan tidak beretika. Beliau mengatakan pada saya bahawa surat utk menarik kereta saya telah dikeluarkan dan dgn kasarnya beliau bertanya kepada saya bilakah saya dapat menjelaskan tunggakan tersebut. Saya memberitahu beliau bahawa setiap bulan selepas tarikh 25hb saya membayar pinjaman tersebut walaupun kadang2 saya tidak membayar amaun yg penuh tetapi saya tetap menjelaskan bayaran tersebut. Beliau memarahi saya dengan mengatakan bahawa lain kali kalau wang saya tidak cukup, beliau menyuruh saya mengumpulkan wang tersebut dan membuat pembayaran setelah amaun pinjaman bulanan saya telah cukup. Saya menjelaskan pada beliau bahawa kadang2 saya mempunyai masalah kewangan memandangkan saya seorg sahaja yg menyara keluarga dgn 3org anak yg masih bersekolah, tetapi beliau tidak mahu mendengar sebarang alasan dari saya. Beliau menyuruh saya membuat bayaran sebanyak rm550 sebelum 18apr2010 dan sekiranya saya gagal membuat bayaran tersebut beliau akan mengarahkan supaya kereta saya ditarik. Saya merayu pada beliau supaya tarikh itu ditunda sehingga 25hbapr2010 kerana gaji saya hanya masuk pada tarikh tersebut, tetap beliau dgn angkuhnya berkata kpd saya supaya meminjam dari sesiapa atau pun cari sampai dapat tak kira macam mana cara pun, beliau berkeras supaya saya membayar sebelum 18hbapr2010. Cara beliau sungguh mengecawakan saya sebagai pelanggan cimb. Cara beliau seperti saya ni meminjam wang dgn beliau dan bukan dgn pihak bank. Sebagai pelanggan saya berhak mempertahankan hak saya n saya faham bagaimana sesebuah bank itu berfungsi. Bank adalah sebuah badan kewangan yg sepatutnya membantu setiap pelanggan. Dan saya bukanlah seorg pelanggan yg tidak membayar langsung hutang saya. Pada 12apr2010 saya telah menghubungi cimb bahagian perkhidmatan pelanggan dan membuat aduan tentang kakitangan yg bernama wahidah itu. Saya berkomunikasi dgn cik melinda dan beliau mengesahkan bahawa wahidah adalah dari jabatan colecction management. Cik melinda memberitahu saya bahawa tiada apa2 arahan yg mengatakan bhw kereta saya akan ditarik dan tiada apa2 surat yg di keluarkan. Saya memberitahu cik melinda ttg ugutan wahidah yg menyatakan akan menarik kereta saya. Layanan cik melinda amat berbeza sekali dari wahidah yang kurang ajar dan tidak bertamadun itu. Cik melinda menyatakan bhw pihak bank boleh menunggu sehingga 25hbapr2010 utk saya membuat pembayaran. Di sini saya ingin menyatakan rasa kesal n betapa kecewanya saya dgn layanan dari kakitangan cimb yg bernama wahidah dari jabatan collection management. Saya berharap pihak cimb dapat menyiasat perkara ini dan mengambil tindakan yg sewajarnya terhadap kakitangan tersebut. Saya memuji cik melinda dari jabatan perkhidmatan pelanggan dan saya berpendapat pihak bank seharusnya memberi ganjaran kepada cik melinda diatas sikapnya yang mesra pelanggan. Cik melinda membuat saya ingin terus menjadi pelanggang cimb. Saya berharap tindak balas dari pihak bank cimb dan saya boleh dihubungi melalui email saya [protected]@yahoo.com. Saya akan memberi detail mengenai kereta dan akaun saya pada pihak bank utk rujukan melalui email saya. Sekian. Terima kasih.

I went to CIMB Cyberjaya branch at 12noon (lunch hour) on a Tue to deposit into ASB. I took my number which was of 2028. I sat and waited for my turn. At that time the digital displayed the number of 1000 series, which I'm guessing are of other bank services. By 1245pm NO 2000 number was called AT ALL. I got up and asked one of the tellers, she took my number and said ur number will be called after this. I sat feeling hopeful. Shortly after true enough 2000 series number started to be called..but it was still about 5 customers before me! Which means I need to wait further! Which also meant I just nudged the counter service to realize they have only been calling the 1000 series all tht while. And my 'greet' to the teller only helped those other loser customers who may have also waited hours..I left without waiting for my number. It's a simple system which was not checked/followed. Very dissapointing.

On d 9 of Dec 09 i bankin a cheque (amount RM300) at Bdr Baru Nilai CIMB branch. On 11 Dec 09 i update my at Semarak, Nilai CIMB branch and found that the cheque returned and RM10 x 2 (total RM20 was deducted from my accnt. I check with d counter staff with (saya tak tau answer and was told to refer back CIMB branch which i bankin d cheque. 10 min drived to Bdr Baru nilai branch with 60sen parking fee and the answer was still the same saya tak tau answer. My question was 1)why RM10x 2 was deducted ftom my accnt. 2) where is my cheque now. The answer SAYA TAK TAU and I demanded to see d bank Manager which was on leave. Comes d unprofesional asst bank Manager to assist me with worst answer. Same question from me and at first samr answer from asst Manager, I dun know. After i almost lost my patience d asst Manager answer maybe d 1st RM10 deducted was for technical error and d 2nd RM10 was for the courier service to return my cheque. I agreed with the 1st RM10 but not the 2nd RM10 because of my correspondent address was not updated and was scolded by d asst Manager. I asked him wheater it is an OFFENCE not to updated correspondent address?
I asked him where is my cheque now and d answer still I dun know. he asked me to refer back to my accnt branch CIMB Wisma Genting. I said it's too far away and was given the phone no to call. To my suprised it was the fax no given by that asst Manager.
What a joker doing in a bank as Asst Manager at CIMB Bdr Baru Nilai?

Can someone from CIMB HQ or any department PLEASE TELL ME WHERE IS MY CHEQUE and why was d 2nd RM10 deducted from my accnt?

I had a car loan with CIMB Bank and was previously advised that the last amount due was RM622.17. This amount was duly noted at my end.

Before the due date of the payment i have also called the department yet again as to be sure of the RM622.17 amount - and fair enough, they have confirmed me on this. They have also advised that for final payments, it can only be made over the counter and not via CDMs. This condition was fine with me.

On 28th of November, I have then make a stop at CIMB counter in Gardens Midvalley for the final payment. And to my surprise, they have requested me to pay an amount of RM673.xx! Boy, was I shocked! I had no problem paying an extra rm50, but i was diasappointed with wrong advice given to me prior to my visit to the bank. That was totally inconvenient to fellow customers like me, but of course all convenient to the bank!

When I probed the staff at the counter on why is there a different amount? He told me that he is only depending on the system therefore, he does not know why was there a different amount mentioned to me.

As a customer, that kind of excuse and explanation is just NOT GOOD ENOUGH! We need to know what are we paying for in details, rather than just obeying to the bank's whims & fancies. And of course, the staff at the counter maintained a clueless look. Then his supervisor approached us to assist (So nice of him? No, not really)

This supervisor was rude, and annoying.
When his staff was trying to explain to me, he was also delivering his own explanation. How can a customer listen to two staff talking at the same time?! I therefore had to tell the supervisor to shut up, and explain to me on the payment one by one. Simple.

He went on and on talking nonsense like, "if i were you, i would just pay now, and lodge a complaint later". WHAT?!

Isn't that convenient for the bank? This supervisor did not explain on the system and just said, "we are not sure about the sytem at times, so we just follow what are the amounts shown". Isn't that just embarrassing?!

Trying to avoid further "extra charges" i have then paid the amount and requested for their names - the staff at the counter and also the supervisor.

THE SUPERVISOR DARED TO SAY THIS TO ME - "I DONT UNDERSTAND WHY YOU WANT TO GET OUR NAMES - IT WOULDNT CARRY ANY WEIGHT IN YOU COMPLAINT".

What?!
What about ACCOUNTABILITY, dear supervisor?

In the end, he just scribbled his name on my receipt as "SETHU" - which i do not think is his full name. How rude is that? So we customers can only get your names in cases where we would like to compliment, but not to complaint?!

Please take note of the name,
it's SETHU, from CIMB Bank branch in Gardens Midvalley. As he is a rude staff. He shouldnt be sitting as a supervisor, since even he was not able to assist and advice.

Promotional Fairs like Home Living Fair by CIMB Bank are really a scam and great disappointment. We were taken for a ride and felt very much cheated after attended the said fair and placed booking/bought a few household items at Putra World Trade Centre in August 2009. The trader Ga Hing Trading told us the goods got to be paid upfront as discounted pricing are supported by the principals and CIMB Bank and only available during the fair duration. Furthermore, the instalment plan as advertised by CIMB Bank was not available from the trader, who blamed the bank for not giving them the facility, while the bank claimed that the Trader did not apply for the facility.
Lo and behold, when we finally asked for delivery of one of the items, an Ariston Washing Machine, the unit delivered to us was a displayed unit. We asked for a new unit to be sent instead (meanwhile we took down the serial number of that machine). We also complained the matter to the Principal company, Obicorp Sdn Bhd. ( a company associated with Signature Kitchen) Tel:603-[protected], the Sales manager, Mr Kent Chan, was most unfriendly, saying their company was not responsible for sales by their dealer, even when we informed him that the purchase was done at the Home Living Fair which was supposed to be supported by his company. His sales rep Ah Wai was seemingly helpful, saying he would get us a new unit- however, that remained an empty promise. Few days later, the trader phoned us and said they would deliver a new unit from the Principal company to us- surprise and surprise - when the "new unit" arrived, it looked like the previous unit, though it apparently had been cleaned up. We then looked for the serial number and found it to be exactly the same as the previous display unit.
A complaint was made at the CIMB customer service hotline, the person in charge seemingly was sympathetic to our plight, but told us she could not help us, even after we informed her that we were made to understand that we were told the goods had to be advance purchased to enjoy a cheaper price and the fair was apparently fully backed up and guaranteed by CIMB Bank.

We felt really cheated by CIMB Bank, Obicorp, Signature Kitchen and Ga Hing Trading (especially), and were really disappointed that we had been taken for a ride. We would ask every body out there to shy away from all these fairs, which are really a scam- for traders to push off their old stock and make a fast buck.

The moral of the story is:
-Never go for any of these fairs
-A promise that was advertised is as good as that, unless it is actually written down in a legal contract, and unless you have the time to actually take the case to the Consumer Tribunal Court.
- A cheap item on sale which seems too good to be true is actually too good to be true, that's it!
- Many big companies in Malaysia like CIMB Bank and Obicorp are really unethical and do not have any social responsibilities, and are there to actually conspire with unscrupulous traders to cheat and hoodwink unsuspecting consumers.

--- On Fri, 10/30/09, Shakila Bernabe wrote:

From: Shakila Bernabe
Subject: Rude Awakening by CIMB staff (Ampang Point Branch)
To: [protected]@nst.com.my
Date: Friday, October 30, 2009, 4:34 PM

Dear Editor,

I am writing to express my frustration and disappointment with CIMB's staff at Ampang Point Branch. My brother, Mohd Harris Abd Aziz Bernabe and I had an Housing Loan Account with CIMB with a five years pledge of Fixed Deposit for RM35, 000.00 each (this FD is to be pledged for a minimum period of 5 yrs as stated in the contract). We were also given an assurance by their CIMB's officer by the name of Mr Smith Tan Pang Yu that this is just kind of security measure only and we will be benefited with its yearly interest upon maturity at a point when he was processing/submitting our loan with CIMB Flexi Loan in 2008.

Just few month ago, I had a default payment by two months but then payment has been made immediately to cover the said amount. I was really caught by surprise when I received the bank statement that my FD account has been deducted by RM35, 000 to offset from the Housing Loan account.

In this instance, I went to the Bank this morning (26th October 2009) for clarification, unfortunately I was passed from one person to another and they know how to make their customer agitated. The last person attended to my inquiry is a guy by the name of Encik Razali Ithnin, unhappily he gave me an uncalled remarks quoted " kami yang menurut perintah sahaja" and to the extend of insinuating loudly to embarass me ( I believe with the intention to let other customer heard loudly and by saying..quote " lepas ini abang awak pulak Mohd Harris punya FD lagi sikit kena tolak" and I was then given a slip of paper to contact the next person with regard to my inquiries.

Firstly, I find them very inefficient and rude to customer and secondly, why the uncalled remarks? meaning to say that CIMB can threaten their customer by saying that they can simply deduct from our FD at their whim and fancies? I think not all of their customer is willing to invest and pledge that much in order to apply for Housing Loan. Based on our financial standings we are confident that we are capable to accepted by other Bank which I believe can further serve us better.

Prior to that, there is no reminder letter or legal reminder that the Bank is taking away our FD. After all, payment is not that long overdue for eg. a year or what and we are quite a good paymaster. My job is in Production line and frequently been away for days and all along I make an attempt by the swiftest way to service my loan via 'Fast Cheque Deposit '-please get CIMB to check my housing loan account history.

Having said this, I feel that my FD deserves to be reinstate as it is, otherwise I am compel to channel another complain to Bank Negara to air my grouses and dissatisfaction or perhaps close an account with CIMB.

Thank you.

Yours faithfully

Shakila Abd Aziz Bernabe
Hp no : [protected]/[protected]
No. 3 Jalan Dagang 4/3A
Taman Dagang Avenue
68000 Ampang
Selangor

(CIMB ref no : BO8127121336)
FD No: [protected]
[protected]
cc : Datuk Seri Nazir Razak ?