First Gulf Bank [FGB]
reviews and complaints

Hi,
I am on holiday in the UK at the moment and needed FGB to transfer some of my funds to ENBD who have a branch in London.
FGB RM Vijay Lalwani sent all the necessary documents to me by courier on 22nd June. I filled in the remittance form in triplicate and waited for the courier to come by and pick up which he didn't. Mr Vijay failed to address my concerns to get the form back to the bank. In fact he failed totally to address this issue saying he had to write to the "team" about requests for bank closure and other unrelated forms like CRIS which I said I would look into and I am still looking into. Meanwhile he appears to have delayed my ability to go ahead with the transfer of my money.
I have therefore had to approach ENBD for funds which I am glad to say are most helpful which is why I wish to close my FGB.
I am now requesting that you provide me with an RM who can expedite matters and not delay the transfer remittance on the 13th July to ENBD.
Customer Number is 1646828

I had a Credit card and a personal loan from First Gulf Bank ( FGB), upto 2016 December I payed time to time the EMI, but due Job issue I faced problem in EMI, FGB merged both in single account but when I started the new plan I had forced to pay the whole initial amount, ie what all I payed to the bank they didn't considered and putted all burden up on me. which is against the Islamic rule.

ON 24/06/2017, one of the staff from the FGB called me telling about the insurance. It was not clear for me so I requested her to send me the details by mail. I requested her not to debit any amount until my consent is obtained. She agreed and informed me that she will call me for the consent .But nobody called me and the amount was debited to my account. Then I called the customer care on 29/06/2017.He informed me that the insurance people will contact me but nobody called me .I am not ready to pay the insurance amount and request you to cancel the insurance and rearrange the financial charges. I also request you to take action against the concerned staff for the cheating. My FGB card ends with 7011.

I am disappointed to write that i did a sin and took loan from first gulf bank. My account no. is [protected] Account Title: Muhammad Haris Fayyaz. On 11-June-2017 I have paid full remaining amount 23700/- (As per the instructions of customer care officer in dragon mart 2 branch) and also applied for NOC / Clearance letter and paid AED 100 fee on same date. That time the customer care representative in dargon mart 2 branch told me to collect clearance letter within 04 days, but after 04 days on my visit he excused and said it will take 14 days. Now its 19 days are over and upon my several visit to branch yet I am unable to receive my NOC / Clearance letter by First Gulf Bank.

Alive to see a miracle happening by First Gulf Bank

Muhammad Haris Fayyaz
[protected]

Complaint Number SR9821943
I am using FGB card since a couple of years. Recently I was charged with unbelievable late fees which are high than the amount paid by the bank plus they charge me interest. I had lost my wallet and blocked the card. After all the calls and complaints there was no option but to pay the entire amount which I paid instantly but they are forcing me to pay interest which is haram but the end of the day I have to pay and I am totally unhappy the way this whole complaint had been handled. FGB claims to call in 4 working days for complaint but eventually, they never called me it is me who followed up after 10 days and they had even closed my complaint not even informing me the outcome of it. I must say a poor customer service and treatment to your customers. Just unbelievable. I really expect an answer from FGB for such service.

Greetings,

I have requested for a liability letter for credit card holding by me from FGB and was a customer with good track records. Eventhough it took a long time for this liability letter, meantime customer service team or credit team was literally harassing me for non payment and a sort of threatening was also done to me. Moreover after receiving the liability letter, went to Burdubai branch to settle the liability and as surprise figure in the liability letter and figure confirmed by the bank personnel from the counter are not matching. Difference is almost AED 9000.00. fortunately the figure confirmed from the branch is less and the same was reflecting on my last credit card statement also.
Hence my complaint is in relation to the figures issued in the liability letter and the actuals and moreover the behavior of the staff from credit or customer care is ridiculous. Counter staff from branch dealt the case very politely and friendly. However I have closed my card and clearance letter been issued already and will advice any known people to me to not to deal with FGB and will share my experience. Currently an amount of AED 1780.00 approx. is due to me from bank, as per customer care representative it will take 45 days for release of this amount.

Thanks,
Shanker
[protected]

I have fully paid my FIRST GULF BANK credit card outstanding liability last May 22, 2017 in FGB Al Ain Mall branch, the customer service in that bank where we paid the said amount told me that it will take 4 working days to clear the check and additional 10 working days to process the clearance.

I went back to the bank 1st week of this month to check the status but the customer service in the bank cannot give me any particular reasons and status she just said that it is still on process she said that I need to call the customer servoce hotline to follow up and when I call the hotline the CS told me to follow up it in the branch where I paid. This scenario has been going on since the first week of this month till today.

This is the worst customer service ever given by a bank/credit card institution. Both the branch customer service and the hotline customer service operator cannot give me any particular update regarding my clearance, both keep asking me to call the other end when I ask them the status, keep me bouncing from this customer service to this customer service.

I am now very frustrated because I really need this clearance as soon as possible.

Any idea how can I complain regarding this to fast track my request?

Any person reading this should also read complaints from this board regarding FIRST GULF BANK CREDIC CARD. Don't take card from this bank it will surely give you a big HUGE headache when time comes.

I do not recommend this bank at all service is zero!

daneaishadelossantos

I had applied for liability letter before 10 days . Service request no. FGB:reference number SR9802529.
But it still not ready, i made severals calls they replied its still not ready,
What is this nonsense
I want to go for Eid vacation to my home country but due to this i alreay cancled my flight twice.

I am going to complaint to central bank to day.
Regards:
Khalid
+[protected]

Hi,

I had posted my earlier complaint on the service provided by FGB. This was a follow up call regarding the Liability Letter and one of the Customer Agent said they are re-issuing the certificate and it would take another 1 week time. Regarding the charges for the re-issuance they said it would be waived off (which is not confirmed yet). And the agent said I would get a call after 24hrs.

I didnt get a call.

Called back after 2 days (today 15th June) and an agent named Rohan attended it. SR9817755. The conversation didnt go well as always. Rohan called me 'MAD', for which he apologized later using that word!

When I enquired about the validity of the letter that will be re-issued, he said it was valid for 14 days! I questioned that other agents were telling me 7 days and this info was new! And he re-checked and found that it was 7 days! This shows the inefficiency again shown by the Agents!

I have got no words to say and my time is wasted because of this nonsense.

Can somebody get my Letter?! Is there no one to listen to the complaints registered and act accordingly?!

Now the letter that will be re-issued will be received on the 18th and within 4 days Eid will start and I am not sure what can be done.

Hopeless service.

Hi,

I have come across worse scenarios in dealing with the customer service and I must fgb is the worst! Liability letter request was done on the 4th of june and the letter was issued on the 8th of june to the bank I had requested. No one had called me to inform of this!

I call the customer care on the 8th, 9th, 10th, 11th, 12th & 13th to enquire about this and they said the letter is still in process! On the 13th, the agent says that its already issued to the bank on the 8th of june! The validity of the letter is only for a week!

I must say i've faced such scenarios in india and i'd never expected the same to happen here in dubai! This is not 'serving' but 'troubling' the customer! So I am not looking for trouble, but service!

I can see the history log of complaints and they are many! Is this the trend you want to set?

I am ashamed to have become a member!
Now I bet they will charge me another 100 aed for he re-issuance of the letter which of course they will shamelessly do it because its the customer who will have to bear all this inefficient deeds of the customer service!

I have been requesting for a Clearance Letter from FGB Bank which I have been associated with from past Three years. Firstly they ask me to wait for 45 days to even request for the letter which I very patiently did. I get to request for the same on 28th May 2017, I was told that the TAT is 10 working days. I wanted this urgently so I requested this to be done little early but to my surprise they have delayed it and today when I visited the branch they tell me that there is some issue with the clearance and I will need to fill a request form again. This is sheer harassment.

I need to understand where can I escalate/report this misconduct and get a positive response as soon as possible. As I do not believe such a huge bank does no have a governance in place, employees taking their own sweet time to perform their duties and is ignorant of customers hardships.

Regards
Azim Shaikh

Dear Sir,

I have requested for a liability letter for my credit card second time on 30th of May 2017 through customer care service (Ref.SR 9770355). Customer care representative confirmed on 06th June 2017 that it can be collected on [protected]) from FGB-Sheikh Sayed Branch, Dubai. I got message that mentioned service request is closed on [protected]) itself.

I visited the mentioned branch on [protected]) and they told they are not having the letter and asked to call the customer care from there itself.

I called customer care and they confirmed that letter is processed already and they will put a mail to check why branch is not accessing this letter.

I asked branch people to recheck after one hour on the status, but they still don't have the letter.

Since then i placed several requests, complaints (Ref. SR9802316) with confirmation that i will get a call back and i am not having any update on this till now.

What is the use of getting a letter after validity with sole reason of delay from bank and you people keep on charging 100dhs per letter each time.

I even didn't dream that FGB will be such an unprofessional bank, i was your customer all these years and the response i am receiving from your customer service agents and even branch manager is very pathetic.

Hope someone will understand the difficulty we people are facing and help us out. Either give more validity for this liability letter or else hand over the letter at least without any drama.

Kindly do something to release my requested liability letter at the earliest.

Regards,
Unni Abraham
Mob: [protected]

today morning (8.06.2017 10 am) i received a call from collection department representative (Thanya, deira branch, called from [protected]). The way she spoke to me not acceptable even for my mother. it seems like i stole money from her pocket. is it nice with a bank management that your staff unprofessional and rude? So, i require to give her a warning letter and at least some training of the customer service.

Dear Sir,

I have requested for a liability letter for my credit card second time on 29th of May 2017 through customer care service (Ref.SR 9763615). Customer care representative confirmed it will be ready within 5 working days because its only renewal of date. As per the request it can be collected form Salam branch and I have visited the branch yesterday to check the status. And it was not send to that branch. I contacted customer care yesterday and they informed it will be ready today (04/06/17). Pl I need this letter today.

I have applied all the liability letters of other banks on the same day. But I have received them within 4 days. If you provide your letter after 4 days. All other letters will expire. So please do the needful and provide me the letter as soon as possible.

Regards,
AL ZAHEER ABDUL HAMEED
Contact : [protected]

Reference :
CC No. :[protected]
Card holder name : Raju v Mathew

Dear Fgb
I am a fgb card holder for more then 10 years.
With reference to the CC statement for the month of May 2017

I was shocked to see the extra amount of Dhs.1700.00

I called your call center for the same, I didn't get responsible answer and said will call back after some time, again the response is same.

I understood, It was some insurence promoted by telephone dated 28 May 2017.
I am sure I didn't agree for the enrollment.

I am totally disappointed with this regard.
I felt Some buddy calling and promoting with all the selling skills and literally trapping people.
She said she will send mail. I didn't even given the the chance to know in detail.

She asked wether she should change the nominee name from mother to wife. I thought it was for existing fgb product. Which I was planning to change for quit some time. I said yes, that has been considered as confirmation. I just can't except this at all.

When I called they are telling they can't do anything. How can you sell a product as you wish, which I was not at all convinced.

What ever I just don't want this product. Or even cancel my card for this injustice.

Anticipating responsible reply.

Thanks and regards
Raju Mathew

Dear fgb bank
I have been using fgb card for almost 5 years and have been very prompt with evry payment in full. I have received an email with activation of lifestyle protect quoting policy number: 5/1/020/[protected]
With annual premium: AED 972 which I have not requested. Your call centre sales personnel need to understand the difference between Selling something and the customer agreeing to buy it! I did not agree to buy Thai product and I will go ahead and file a complaint with consumer forum . Should you wish to get this control plz call me back and reverse the amount [protected]

Dear Sir,
Ref: Policy Number 5/1/020/[protected]
I was forcibly inducted into this product by a phone call which was unclear and which I did not confirm. I only asked the representative to send me a email detailing the product. The next thing I see that AED 792 was charged my credit card.
With regard to this I had sent an email
Please refer to your mail to me dated 15.5.2017 which stated " With regards to the mail sent by you regarding coverage by a life style Protect Plus Gold I would like to state that I do not wish to take a policy mentioned above and I have not agreed to do so while a telephone call was put to me".
AED 792 has been charged for the first year and the representative says it cannot be reversed for the current year.I feel it is very unfair as the telephonic communication was unclear and I did not give any confirmation acceding to the offer.

Please do the needful to cancel the policy at your earliest and revrse the amount charged on my credit card.
Regards,

Dr. Krishnan, Mangalath Narayanan
27.7.2017

Dear Sir,

I have requested for Liability letter for my CC around 3 weeks back and I am following this continuously.Each time I call customer support, they inform that you will receive a call within 24 hours and no one had called me yet.
This kind of support is not what I expect from a company like FGB.
My old service request was SR 9705510. Today they called me & ask to initiate new service request.
My new Service request no . is SR 9763615.I don’t understand why there is a delay for such a simple service request.I want this to be resolved urgently.

Regards,
Al Zaheer Abdul Hameed
[protected]

On 28.05.2017 I went to abs branch to deposit cash. It was around 818000 aed.in public I cannot check the denomination so I have asked ms. Amira karam the cashier to just tell me the denomitation. The way she replied and behaved was really unethical. This is not the first time she is behaving like this. Always she will be in phone and she wont replay to any queries at all. I am really worried and hesitated to come and do any transaction from there further. She should at least consider that I am a lady and I have came with such a big amount of cash. I have already given complaint in customer service in the branch but please do necessary action regarding this. I really like your service and bank so tat I am putting this effort to complaint

Hi, I opened my account with FGB while I was living in UAE. Before I left the country, i went to the bank to check if it was necessary to close the account. I was told by one of the receptionist that it is not necessary as the account will close automatically onecw its 0 balance. Few months later, i came to know i was charged a monthly fee for not having a minimum balance. I tried to speak with the customer service and explain my situation, but so far it was not going anywhere. After several months of dialogue with the bank, I decided to make a further deposit to my bank account while I attempt to close the account as regardless of my requests, they continue to charge me the 25aed fee every month. I really want to close my account and get my money back as I don't think i will be going to the UAE anytime soon

Thanks
Sanoon'