Emirates NDB Bank
Reviews and Complaints

Agreed ... worst bank EVER in the history of banking
I have to psyche myself up for about 3 days before I can manage to call them for anything and then I usually end up in a screaming fit after talking to a whole series of unknowledgeable, unprofessional idiots who don't understand anything about customer care .. and this has been going on for about 8 years ! I tried changing to their Priority Banking service and that was even worse ... seriously, if you don't have to bank with these people then DON'T !

i requwast e nbd pleas give my c letter fast hary pease i have same promplem i given stilmant chque 30 7 2012 way not celeyaer pleas halp me

I have an amazing story, that despite that i am constantly paying my credit card debts, they still threttening me, and lately i found that all the money i payed was not counted and still owe to them the same amount of money.
When i tryed to speak to the Bank itself, they told me that they have been sent my case to Collection department and it is not undr the jurisdiction anymore
Collection Department deny to make a settlment for me after pandemic, against the law, and now threttening me with travell Ban.
They ae calling and messaging me everyday and keep askimg for money, if i ask them to ecplain everythinh, they just stop comunication till next day.
I ve been cantacted with more than 10 different people already and i dont know where my money going

Here is my story:
I was worried and living in a hilarious life now as I am always thinking anytime police will going to catch me. I keep on searching, reading in google /websites for the same case I have, to gain some ideas and resolve my problem.I am really helpless and sometimes wanting to die because of this ENBD.
I have an issue of Emirates NBD bank as I have a car loan worth of 67900Dhs, payable in 5 years.Got the car loan last February 2015 and started to pay last May 2015 with a monthly payment of 1315Dhs/month. I have a continues payment until I was hooked in some bad financial conditions which I failed to pay my monthly payment. Total dues is about 7 months but not consecutive months.Like paying this month next month no and vise versa.Because that time I am really in bad situation.The collection department send me message that they will going to file a case against me and I keep on answering them asking for little patience as I was trying to solve and my salary will be given as full which means I can pay regularly but unfortunately the collection department gave me 2 options only which are:
1. Surrender the car and pay the remaining balance by reconstructing my loan.
2. Pay the full balance.

I said if I will surrender the car then pay the remaining means I lost and gain nothing. I am trying to solve the issue but they didnt gave me a chance. However, I started to pay again regularly even I still have 7months dues. Until a police officer caught me and took my drivers license and car license and sent me to a police station to recover. from then, they told me that my car is wanted so I need to bring to the Car impound and go to Murror to settle. I went to Murror( Car registration and traffic Department) Then they told me to send my car to car jail so I did it. The murror officer returned my drivers license and Car license and told me to pay the dues because the bank made my car wanted. I even asked them if I am also wanted they said no its just my car.Once I pay the dues then I will clear it to the bank as simple as that.

I am very confident that the issue raised by the bank is not as big as I am facing now. In my guts I am still worried so what I did is I went to Tasheel to ask my name if I have a case but they cannot check therefore they told me to go to Immigration. I went there and I asked them If my name is clear and the Immigration officer said the EnBD raised a case against me for a cheque with amount of 78900Dhs.and I am blacklisted and wanted. I told them the story. I did not know for what is that amount and If I am aware I would not go to Immigration nor Police Department to ask if I have a Police case. I told them also regarding my car loan only but they said I need to go to Bank and settle. Actually when a they found out that I am already blacklisted and wanted they warned me to stay and be jailed. I was devastating and shocked and really scared. But really I cannot say anything or any words because I was blank and shattered. Then I honestly told them that I don't have any idea about my issue what I only knew is about my car which I already surrendered. I convinced them and given me a chance not to put in jail and gave me my case number which was applied in Muraqqabat police station in Dubai and settle my issue.

Everyday I was crying and living in a miserably because of this issue and I keep on thinking why 78900dhs? I made my payment more than half already and still in contract.
Today I called ENBD costumer service and asked how much still my remaining balance and they told me still 18months remaining for 1315dhs/month or If I wanted to do early settlement there will be an 37, 321.73 dhs total including the early settlement fees.

I wanted to clear and settle this but I am really afraid that If I will go to Muraqqabat POlice Station they will catch me so the more I cannot solve my case. Also I wanted to asked the Collection dept bank why they are asking too much amount? why 78900Dhs but no one gave me a correct answer, simply telling me to pay the full amount or stay in jail.

I don't know what to do and I don't know what to start. I am really afraid going to Police station but in my heart I am really and humbly telling I wanted to clear.I am really nervous afraid and I don't know what to do.

Feeling helpless at present :(

personel loan dept, mamager emirates bank.
subject: EARERS ON PERSONEL LOAN
NAME ; SAMIN HAIDER GUL HAIDER
OCCUPATION ; driving instructor
COMPANY: sharjah driving institute shj govt.
came to pakistan on annual vacation, elder son of my family our village is hangu doaba which have been declared as a red zone which mean war effected, for further information can be checked trough internet. passed three years shifiting from one place to another running from death looking for life just to secure my family to stay alive. besides i have lost some of my family member. i dont know how to start again after tourchering mentally' really i need some one to guide me. my e. Email haidersamin@yahoo.com
thanks

I have been mentally tortured for 5 months now. I left the country because of these debt agencies and bank collectors calling me. But i have decided to fight them and get my right. I have intent to pay but on my terms. I have created a group and i would appreciate if you folks join it as well. We can all get together and make the difference.

http://www.facebook.com/home.php?#!/group.php?gid=110407465652195&ref=ts

I compeletly agree with the above, I have been getting similer calls from Emirates bank, though they are not shouting but they are telling me that if I do not pay my credit card bill by tomorrow then they will present the cheque and file a police case against me, I have been requesting them to hold for a week, that is when I get my salary but they are not listening, so I cannot do anything, just hoping that they do not deposite the cheque in the bank today. I want to pay, some of my friends asked me to run away like many people did or still doing but I told them that I came to this country to make my career, to earn money for my family, I took the money so I have to give it back, I cannot run away and sleep on it.
I wish the government had some law which help people like me who really wants to pay but cannot because of some reason, which can be proven.

Hi my husband is struggling aswell with 3 months of salary that was transfered to south africa but also no money received on this end, we lost everything like in everything, they could not give us the swift copys upuntill today the money was transfered on the 1 st of march, he had to get a lawyer and now he has to get a part of that money aswell, i am so mad that we have to lose everything that is not our fault, why cant they reverse the payments, they must have some policy or something if money gets lost ? To reimburse the client? What can we do maybe write to gulf news ? I dont see it sorted with the bank and in the meanwile i have to suffer in south africa without money and my husband it is not fair

I have similar issues where the person in Dubai is claiming he never receives funds whereas my bank has acknowledge deposit of funds. What can I do? Please help

Did you ever get this sorted out? I have a similar experience where Emirates Bank have just removed 5000 AED odd Dirhams from my account with no reason, notification or communication. When I call the "Help Desk" (and I use the term loosley) they have no idea why the bank debited it.

Isn't that theft?

I had taken an auto loan in June ‘12 to purchase a new car & I had been offered a free Salik card as part of the auto loan offer. I visited at least 6 different branches in Dubai & each time the front desk representative had no clue about where the free salik card was provided & even when I called the customer service, the agent very smartly put me on hold for more than 5 minutes & then conveniently said that their system restarted & so they will log a complaint later on & send me an SMS, for which I haven’t recived yet.

However after multiple visits to many branches & complaints to the sales person who gave me the free salik card voucher, I came to understand that the free salik card is only offered in certain branches in UAE.

Accordingly I visited the Al Barsha branch which was among the list of branches that supposedly was issuing the free salik card, but they informed me that there is no stock & they had no information about the other branches.

The voucher is only AED50 & I have very well spent more than twice the amount on my trips to each branch. Why are such offers put across to customers when the bank does not have the capability to fulfill its promises to their customers. The damage is that the bank has a very dissatisfied customer who is feeling helpless about the customer service & false offerings from a bank that was very highly valued & who has been a customer for the last 7 years.

I would appreciate if you could take necessary steps to rectify this faulty operation, so that other customers do not go through the same experience.

I recieaved a message telling that I won 175, 000 GBP from # +[protected] nokia-promo.uk@uk2.net

Please reply ASAP if it's real

count me in...they freeze my account and never be able to get my salary in three months...

I have been dealing with this bank since 1999. My salaries were always transfered to this bank. I've taken 1 loan for AED 400k and returned it to the last Fils. I took another one AED 250k, and I paid back about 35% of it, then I changed my job and I was surprized that the bank -not only froze my account and suspended my credit cards without any prior notice- but also submitted the guarantee cheque for the whole loan amount (AED 250k) into my account and now it is in Minus. I went to the Galleria Branch where I started my account, they did not help, the CS agent (Nader bin Yousef) told me to go to the Collection Department in Nasir Square. I went to that square -it took me 45 min. heavy rush- and what a mess! Due to Metro works, all parking spaces were demolished. I sent my new employers salary certificate through Mirdif Uptown Branch 3 days ago, still my Savings account is on hold, is in Minus, and no one called. This bank brings disgrace and shame to it's name, sadly said.

Same with me. I am extremely disappointed with their services. I have been paying my loan with them meticulously every month and just like you guys I changed jobs two years ago. They called me two months ago insisting that my salary be transferred to the same account, i asked them if there are any issues with my payments they said that it is perfect, so i told them, then you shouldn't be following up with the people who are paying, they should be calling the deliquent ones instead. I hung up then after two months, my account was frozen.

I am in the process now of clearing this up and trying to finish my loan with them asap. Definitely not recommendable!

I agreed with all of you guys...I suggest to all not to be engaged with Emirates NBD...this is the worst bank in the entire world...

I have a credit card with NBD and the outstanding is less than 4K. I used to pay like 200 a month. A guy called to collect my payment, I told him to wait till the following day as my salary will be transferred to them (it takes ages for us to get the salary). He did not agree. I convinced him since my salary is transferred to Emirates NBD and since they merged, I asked him to deduct automatically. This guy started talking to me like I am thief and used words such as "baba" and "my friend". I told him I am neither your father nor your friend. I am your customer. He shouted and threatened me that he will block my account as he said. So I never cared as how are they gonna block my account if my salary is transferred to them...omg! When I checked my salary...it was negative 8K...with deductions of my salary. Where it went? I checked the mini statement. The guy took the outstanding balance on my credit card. But then where does 8k come from? I checked and nobody can explain to me. I was asked to go to Collection Department, here there and everywhere..OMG! okay..okay...I left things; anyways my card is closed..Then this month I was shocked that my account has negative 13K, then every time I check the amount is always different from one to another. I was so pissed-off! I called the Call Center and asked for the explanation. No one can answer me..They suggested visiting my branch. The same thing, no one knows what seems to be the problem. They asked me to go to Collection Department. This time I insisted that they have to solve it in that branch. I deal with my branch so they should deal with me to...no one else! I stayed for almost an hour and nothing happened. I decided to go to Central Bank. On my way, they told I have 500 dirhams in my account so I should move quick before the bank deducts another whatever deduction...OMG! As if I owe them gratitude...today, I know I still have less than 30 dirhams from the 500 I got. But when I checked again, it is negative 185.

I have a loan with them like you people. It is deducted automatically from my salary, so I do not have problem. But this is how they explained. I have pending payments...see how illiterate they are. I wanted to move out from this bank to another, but since I have a loan..It didn't become easy for me.

This bank promised us top-up loans, deferment payment, overdraft. But since the Global crisis gave them some karma, they people suffered. They cancelled these policies without informing us. Now, how many times my salary increased, but I can not enjoy any of those. Then they told me to wait for the policy changed. I was hopeful, but then the policy is limited to certain companies.

If I could have used any of these policies, I will not be drowning from debts. I could have closed my credit cards. I wish there is something for people like us who suffered a lot because of this Emirates NBD.

Hey you there...the management! Do something! You never help us! You bury us instead!

mate, this emirates nbd is the worst bank in the world, & the people in collection dept are just incompetant to solve any issues.

i have personal loan with the bank which i am paying every month, as i quit my job in 2008 and started my own business, they started calling me in 2010 for bringing one gaurantor who can giv a blank cheque to bank as securty ! huh, do you thing there is any such angel available in Dubai ? we all are expats common!

so now they have got a new technique, and are sending me sms every month that there is some over due amount due to delyed payment, which i always pay on time, as i have all the receipts of payments.

i suggest all you guys n gals in dubai, uae please avoid EmiratesNBD or if possible just boycott this screwed-up bank.

regards

Your not alone my friend, I am also having a worst experience with Emirates Bank, In every month my salary gets delayed for 4-5-6 days. since my company is depositing to HSBC. I wanted to transfer to other bank but i could not because i have still outstanding loan with them. so i have no choice but to be patience. It is very clear that this bank is taking advantage with us, they are rolling-up our money by means of delaying the availability in cash out. by keeping our money for 3 days, how much interest or profit they are getting. Please share your experience also with this Bank.

Rgrds

My original credit card EIB VISA CLASSIC had expired last Feb. 2009

On Dec 29, 2008 I sent an e-mail asking that it be renewed and sent to my address,
On Feb 03, 2009 I received a request to send an email agreeing to the courier fees, which I did on Feb 05, 2009
On Feb 09, 2009 I was charged for courier charges ref 50.00 AED
On Feb 23, 2009 I was again charged for courier charges ref 50.00 AED
On March 17, 2009 I sent an email to EIB not to renew my credit card, and I called the hotline to cancel it
On April 01, 2009 A transaction appreared showing credit card was renewed and activated with a new number without my concent
On May 03, 2009 A transaction appeared again showing the new number with a charge of 110.37 and a negative charge -115.50
On May 03, 2009 I sent email asking for explanation why I am being charged
On May 03, 2009 I called EIB hotline asking the same question and the reply was it's against monthly credit card membership fees and I asked it be cancelled
On May 04, 2009 I received a reply the charges are against my credit card dues without any further explanation or mention of my request to cancel it.
On May 04, 2009, I sent an email asking why my request to cancel the card was not honoured
On May 05, 2009, I received an email that I have to call another number to voice log my request [protected]
On May 18, 2009, I called the number at 11:57 Pm the person asked that I have to settle the charges before my card be cancelled which Totals: -392.06

Since I didn't ask for my card be converted to the new EIB VISA GOLD and since I didn't receive my credit card by courier as promised and since I did not call EIB helpline to activate the new card and since I called at least twice asking for my credit card to be cancelled and never informed of the new charges or the procedure to cancel the card I asked EIB to kindly reverse the charges and cancel the credit card.

This request was never honoured and still I am being charged monthly membership fees and overdue charges

Same thing Emirates NBD Done with me. I have paid my complete outstanding of my credit cards 2 years ago and request to closed the cards. And today after 2 years i found that i have to pay my outstandings again. Very very very very big cheating and fraud.

this is the worst bank ever.

i have a carloan from them and i get the same SMS's while i'm making the payments as cash every months (as per an agreement with them) and they are still deposeting my cheques along with the cash payments, what made me keep unsuffecient funds in my account, and they are now calling me for the bounced cheques while i have not been late in a single payment.

You are not the only one madam. The bank is very popular over the internet with same problem you posted. Some banks makes thier clients banking experience more pleasant. But your bank and mine makes our banking experience worse you never want to go back.

The guy named Sameer works in the Burjman branch for responding to the customer service, was so rude in responding to the queries we had.

These people don’t know how to respond to the customer’s.

One thing am sure now, not to go with ENBD for the personal loans.

I visited on Friday evening, 7th July 2023.

time 7:20 PM behaviour of the guard is very bad and rude unprofessional. his name jasdeep Singh not only one customer even 3 5 customers complained you can checkout the CCTV camera. he is [censored] please change him immediately or punish

My credit card is suspended for no reason also 1500 deduct from my account as a recovery for no reason, nobody connects me or inform me what happens and what is this nonsense trying to connect but no response.

Dear All

This Bank I Use his Credit Card for Amount 8000 AED, After year he make it 28,000 AED with Charges as It's Free money. Please Care for it. Thanks

My Dept Card Had been Dedecuted for amount without my authorities

im nbd costemer 17 yaers now i have loan card now im chinge accounte anther bank i m laon card aal pay ment but not given clearece letter wary chitar bank nbd fast liiblite letter i pay 100 dh after clearnce letter 100dh after not giveng c letter my c card late make fine very happy nbd i request any body not go nbd my life brokan this bank

I am currently having problem with same bank, been more than a month since i made complaint regarding my card and no one seems to act. Every time I call the representatives they either dont understand my point or they say the department has not responded yet. I wonder what kind of English Language they use, or what is the response time frame they are looking at. They seem not to take responsibility to what the call "SYSTEM GENERATED".
Another case:
I paid my card more than full amount last year and I had it closed, but until now I am still getting statement with escalating interest which I dont know where they're getting. Now I dont put money in that account anymore. WHen my salary comes, i get it in full.
My friends CAse:
She made a load thru this bank and it was deposited in her account, there's this lady in the bank cancelled her account without asking her. Then my friends did made a complaint regarding the case and the bank kept on telling her she made the request for the closure of her account. I dont know if the employees had been comatose for over a year or two, how could someone ask for the closure of an account with over 200T money in it without withdrawing the money. Luckily there was this Filipina executive who arrived and helped my friend. Now she gained access to her account and withdrawn all the money.

The allegations looks true since I have also faced a similar incident in the other Asian bank, though mine was a different issue. They normally don't respond. I guess I have to withdraw my money from this bank soon!