Abu Dhabi Commercial Bank [ADCB]
Reviews and Complaints

I can fully agree with this user, I have never in my life delt with a worse bank. I have struggled for well over a month to gain access to my money through any means. Without question, the customer service is pathetic at best, they refuse to respond to emails, won't answer your phone calls and even when you go in person they demonstrate complete and utter incompetence. I am now forced to return to Dubai and will demand that all funds be returned and close the account. Absolutely unbelievable.

I totally understand you, I went through the same as you. I regret the day I joined this bank.

the compliant is pointed towards abu dhabi commercial bank; however, if my memory is correct; abu dhabi commercial bank took over RBS after the requested statement date; so i feel that the complianant has to approach RBS for the statement of account.

to the best of my understanding; debit cards are operative in most interbank ATMs, as long as they are in the network; Perhaps this card holder has an unique problem. It is public information that rbs retail bbusiness has been taken over by ADCB; hence the change of card may not be without notice;

Hi,
Please let me know whose mistake is if ADCB have not sent credit card through on time(before due date). I am currently facing same problem. pls suggest me.
ADCB is telling that customer has to call customer care every month to know there outstanding balance and pay accordingly.
I never ever heard this kind of rules in any other country..

Regards,
A well wisher..

Dear Adcb Management,
Hope you can help me..
When i went to immigration trying to transfer my visa to the new company its so sad that in a last minute we found out that i have a case against adcb personal loan without informing me and so sad and frustrating coz i dont have pending coz i pay it regulary until now since they hold me in the deira office, so the immigration staff ask me to get a clearance letter to adcb and present it to muraqabat police station clear my name, but its so sad that they push me to heal, i ask for their assistance to get a clearance but the manager he dont humanity heart, his very hard to talk, only i ask a clearance for my personal loan but his insisting me to pay the full balance of my car which i dont penalty and i sign the contrat its a 4 years to pay.I explain to him very harmonuos that i got a new and willing to give me a new visa, but he just ignore, theirs one collector he knows that i dont have problems, but the manager insisting the old history i did not pay for 4 to 5 months, which they know that my company is struggling. Hope for the action from the management..its very clear only i want is clearance to clear my name..not to harass the client..

I am struggling now financially, but I still have work, the only thing is that I struggle financially due to the health and hospitalization of my father who undergone a bypass heart operation and my sister who's having a breast cancer and later metastasis and now she has a lung cancer this was started last 2012 till now. I am having a personal loan and credit card facilities from the ADCB bank. One personnel in collection department having Mobile # +[protected] called me and telling me they will let the company to terminate me for not paying them. I have 3 Defaulted payment but they should not be alarmed and get worried as my salary goes in my ADCB account and they have all the means to hold my salary only this December 2016 salary was not credited to my ADCB account. They should not curse me and put this situation inside our company as this is entirely no relationship to my company as this is my personal problem. They went to our company and talk to our Manager telling them to terminate me. Is that what really exactly they need to do? everybody now is struggling financially and this is the only bread and butter we have to help our family our children back home. Are they have the right to do that an acceptable behavior? I did not run from any obligation I have from them, as my payroll account is under their bank, so why they worry? they want me to be terminated from the company, how will I pay my personal loan from them, if they will suggest the to our manager my termination?. I cannot bear it anymore, If I only have a chance to transfer my salary account to other bank I will do so. Coz ADCB are eating even the last fils of my account balance, they will not spare you instead they will put you down and make you suffer..

i agree with u all, i am being here in uae since 2008, i never took any credit card, personal loan or even car loan from any banks so far, but only mistake i did was holding zero balance salary transfer current account with ADCB, i switched my employment to different gulf late 2013, and right now i am back in UAE since mar'16, when i try to get my salary transferred to same ADCB which i had earlier, i was informed i have debts with ADCB which i need to sort out by visiting ADCB debt collection department in outsource zone, i spoke with a lady called Poonam, she told me i have AED5000+ debt because of cheque return (Actual the landlord made mistake, deposited my cheque even after i vacated the building) i asked her is there any claim for that cheque amount?, she said no, its just for cheque return cost of AED 400 (But actual when i contacted customer support they said cheque return costs AED 100 for each cheque) which leads you to negative balance and along with interest for 2 years i need to pay 5000+ AED, i told her, alright i dont have any access with that account as you have already closed without any instructions, so i need statement till date to confirm the amount you are saying, suddenly the red face said you have to call customer care to get your statement, we will not provide, i said ok, i will first take my statement from the mode you said later i will pay, she agreed, when i called customer support they said i have noting with their bank, only current account which was closed nov'2013 with zero balance, then he approached me to visit any nearest branch to get my statements, branch asking me to pay AED25 for each month statement, its now totally dumping my head, but my goodness the customer support who sat on the desk showed me my statement on his computer, and my account was closed on Nov'13 and with negative balance all i have to pay is with aed 50 per month as penalty, and if i calculated as he said its not even 2500AED, but why debt collection is asking me to pay 5000+?, i dont know know who is the right person to take this issue, anyways later on i started arisin questions with that debt lady, she repeated same ting without explaining me, then i said if u dont explain me properly i wont pay, later another lady called me and said she is her supervisor named Poornima, and without even listening my words just simply harrasing me on phone, and threatening me that they will send peoples to my office otherwise i need to take loan from my office and immediately, i asked her dont you have a sense its my very first month here dont simply speak the way harrasing me, then she said when you can pay, i told after 25th once my salary credited, then she said i will not call u until 25th but you must pay on that day without fail then suddenly said its my direct line if u need anything call this number and hanged up !, yesterday while i was at the mid of important works almost at the top of roof climbing ladder, my phone started ringing continuously i picked up the phone, on the other end the lady poornima from ADCB, i was really frustruated and asked what?, she said i called you to remind your payment on 25th, damn, i said you told me you told me you wont disturb me until 25th then what is this call then?, she is then harrasing me like you dont have rights to say dont call, after i was keep on calling her to take clear explanation for 5k+ even now while i am posting here, its ringing for 4 or 5 times and going directly to vice mail, i simply had all kind of debt. harassment without even having any actual debts, Hope this is all enough experience for me with ADCB, i promise you ADCB i never have any relationship with you at all, thanks for all your enough headaches to me...! i am wondering nw this is all What ADCB HR dept taught these peoples?, everyone has a self respect, try to value peoples, and sorry for my such a huge post here

Rbs australia is a scam belonging to harry omeros. Harryomerosscammer.com has it all

Hi all,

It is true...ADCB will cheat, cheat and cheating you. My experience, I has resigned from my ex company and joined in other company and ADCB hold my final settlement from my Ex company coz as per the bank officer, I hold ADCB credit card even i don't have any loan with ADCB. when i call the bank officer they say sorry and requesting my salary to transfer to their bank..when i say "NO" they told me that all my money will be kept hold till i show my salary transfer latter to the bank. How Cheap they are?
I want to run out of this hell...They only want to make money and they don't know how to deal with customer...i sure they lost me and they will lost all their customer at the end

My experience with the ADCB credit card has been horrible. I was almost never late with payment and paid in full whatever I owed. When I had a dispute regarding my account and called their contact centers repeatedly, I got nothing resolved. And while I was disputing, they were sending collections to my office and actually speaking with my colleagues! Randomly, they upped my credit limit to AED 100, 000 against my wishes when I was trying to end my credit card with them. Now, one year after my initial dispute, they sent my account to their recovery department. Their resolution is to remove some of the months of finance and late payment fees and downgrade my status with the UAE Central Bank...they call it blacklist rating. So if you have an issue with them, the complaints department ignores you (even if you go in person AND write them an email explaining everything--which is what the call center people instruct you to do), they send your account to collections who harass you while ignoring your dispute, then send your account to recovery who downgrade your blacklist rating. Great customer service guys.

my wife had taken a loan from ADCB and the payment deduction date agreed was 5th of every month. However, the bank takes money from her account as soon as her salary gets credited, sometimes even in the middle of the month. many time she had contacted the bank and requested not to deduct her money in advance and deduct only on the due date i.e, 5th of every month. due to this unprofessional attitude of the ADCB bank, we have decided not to continue with their service and stop interacting with them as soon as the loan is got over. Can somebody advise how can I complain to Central Bank about this problem?

Banks like ADCB have to live with 20th Century reality. Since the 2008 credit crunch, many clients in UAE have had to struggle paying loans and credit cards. There of course is a big difference between a client who delays a payment from one who runs away without making any payment. The reality is majority of clients are committed to paying their dues though there are situations when it is impossible to make payments on time. Unfortunately, ADCB staff do not differentiate a customer who makes regular but delayed payments from one who doesn't at all. In fact, you are better of not paying at all with ADCB. A real case example is a colleague who happened to travel on emergency leave. He couldn't make his credit card payment on time and was very cooperative with ADCB collections department. He committed to paying his dues within two weeks after his return but guess what? The collection staff never took his situation into consideration and went ahead to harass his family in his home country as well as spoil his reputation with his employer who eventually terminated him; he is now jailed unnecessarily. Was all this necessary for a delayed payment? Where is Central Bank and where is UAE Consumer Protection? ADCB, watch out.. How many more clients are going through this dilemma?

I agree 100% - ADCB is the worst I have experienced in UAE. My salary account initially was in ABN AMRO, then it became RBS and then taken over by ADCB. I had personal loan from ABN, I topped up it twice whit it was RBS and never had a problem about repayment. Now since it has taken over by ADCB, they are acting very rude unnecessary blocking my funds just the salary being transferred one day late (due to banks delay). And yes, when I call the response is very bad..the collection staff, rightly said is very rude and doesn't know how to talk. I have never defaulted any of my installments, but ADCB staff is talking as if I have committed some crime.

ADCB is the worst bank ever... Manner less and rude collections staff... they don’t know how to talk ... and continuously harass & threaten their customers...and are liars as they put words in your mouth...they should be trained on how to speak...
Word of advice: Don't ever accept a credit card or loan from ADCB... initially they will sweet talk you into getting one and later they will make your life a living hell...

Dear Sir / Madam
I am Biju Joseph I had took a loan & Credit card from your bank for AED 72167 (Dirham seventy two thousand one hundred and sixty seven Only).Last three months before I got operated for FISTULA and I spend AED 20000/- (Dirham Twenty Only) for my treatment. As you know that now my salary’s one part is already deducted for the loan, but nowadays one of your Executive is sending SMS that bank is going to hold my full salary for the loan deduction. Please make your Executive understand that if I will not feed myself how can I survive in this country. As per the UAE labor law I cannot work in any other company (Full time / Part time). Please see the attached medical documents for reference so that you can understand how much pressure I am holding. Kindly cooperate and deduct a part of my salary not the whole. One more request as the deduction is already on kindly stop the collection department’s call & SMS.
Thanking you,
Yours Truly

BIju Joseph
Account Number [protected]

In what way central bank action? how many days central bank will take to respond for an action?

Report them to the central bank. www.centralbank.ae

I also experienced the same thing ... They are simply troubling their customers without any reason...

I also planning to close the account with ADCB.

I sold the car to a man who took bank-loan for car purchase from his bank...it was ADCB bank, Dubai. the car was transferred to a buyer's name, I received an LPO and was supposed to get check the next day from ADCB... the Coordinator for all documents/payments was George Moosa, an Egyptian gay, an emploee of ABCD. He stated that check would be ready in 1day and he would send it to some ADCb branch in Dubai so we could come and collect it.

The next day when I was supposed to receive my check/money Icalled that GEORGE MOOSA to get the confirmation and the place from where we could collect the check... He started telling a long story that he has to go somewhere to get someone's signature, to come back...bla-la-la... yanni, telling it in a such stupid way as if he is doing a favour or he is so miserable he has to do his job.. anyhow, he said he would get my check today and promised to call by 1pm... never callled back... i got through his line--and he gave me any stupid story about where he would go and what he would do... 3 pm- I called his number and another man replied: "George is my friend and he is now at a very important meeting"...no need to say that ADCB emploee of the month never called back...

I had to call the car-buyer to press in him, george's office to scream at them... finally, after I said that I would take that **ing George to court, they promissed to try to arrange from my money ... TOMORROW...

So, the story doesn't end here... they called me to say that the check is at some Deira branch at 3 pm only next day...when I reached there the guy who was having our check left for the day (of course, tomorrow is December 2--big holiday for you, followed by Friday-Saturday days off and then Sunday holiday again)... we insisted to get the check today, and had to wait like 15-20 minutes till they arrange someone who could open the drawer of the guy who left for the day...

Definitely, I could get cash immediately so I decided just to deposit it in ATM machine... the DEPOSIT function doesn't work at all ATM... "When it will be fixed?"--Mya be tomorrow or next week.

SO, may be finally I will get back my money from ADCB next week, yannin 2 weeks delay.

George Moussa is Unprofessional, disgusting, lying just like breathing (is it a national trait?), time-waister... and apart from time petrol and money waister...

He certainly gave a very clear IMAGE about ADCB bank... or may be it's not georger...but all the bank is this level...

ANY CHARGES MUST BE INFORM TO THE CUSTOMER. SO THAT HE MUST KNOW ABOUT HIS/HER LIABILITES TO THE BANK.

I RECIEVED A SMS REGARDING MY BALANCE BILL AMOUNT WHICH WAS 2012.49 AED, I DEPOSITED 2013 AED TO CLEAR MY LIABILITY. NEXT MONTH I RECIEVED ANOTHER BILLING SMS OF AED 25. I CALLED HELP LINE 8002030 AND INQUIRE ABOUT THIS AMOUNT. HE (REPRESENTATIVE) REPLIED ME THAT THIS IS HIDDEN CHARGES AUTOMATIC GENERATED BY THE SYSTEM. I ASKED HIM TO WHOM YOU PEOPLE ARE HIDDING THIS AMOUNT. I AM YOUR CUSTOMER AND I WANT TO CLEAR MY ACCOUNT AND YOU ARE HIDING MY LIABILITIES FROM ME?. HE ASKED ME, IF YOU HAVE TO CLEAR THE BALANCE AND CANCEL THE CARD SO YOU MUST CALL US AND CONFIRM YOUR HIDDEN CHARGES, DEPOSIT IT AND AGAIN CALL US TO VERIFY AND APPLY FOR CANCELATION. ...

I am deposit the Cash 1690 AED in CDM but he accepted 1660 AED and he Returns three 30 AED and Cancel Transaction and Fund not transfer in account and not print recipe

Theydid a fraud with me this is kind of one of the spam they r doing they have given me credit card loan now they the debit automatically amount from my account before due date and with info taking extra money 💰💰 useless services they gave me different promise and now doing something else shame on u adcb bank fake people [protected]

I am Deepthy having account ,and a car loan against the car who is driven by my husband and we are separated from last 8 months .

I can't pay the car loan ,kindly help me get rid of the car loan.

I need a solution.

I have submitted a request (Case ID : 391834) to my bank to assist me with a dispute on a merchant who did not render the services promised.

The bank is refusing to action the chargeback although I have given more than enough evidence, the least I am asking in an

attempt to assist a loyal cardholder or refund me for my financial loss.

Last Saturday (march 18)I lost my money without my authorization. The time i call the bank its like easy to them to tell me that is fraud, and ask how much i lost why like that its just because not a thousand dirham. I trust the bank, I thought my money is secure.

I have applied for a personnel loan on 9th Nov & still suffering from the worst service of ADCB , very very poor service and they don't know the value of time. I suggest every one not to get trap with ADCB sales agents

ADCB bank has been deducting so many months from my ADCB account 25/month due to no credit card. the agent from ADCB has came and we applied for it when i started the account. again he came after few months and got gignature from for the second time. till the bank has deducting the amount and no update about credit card.

Dear
I'm sending money before 4day still not credited..way

My name is Sujith, i am ADCB customer from Jan 2017. Every month salary was credited on this account. This is the first time I face one issue, my cheque was returned because of shortage of 147 AED. Now I loss 251 AED from my account.

ADCB has the worst customer care with brainless and irresponsible staffs... The higher dosent seems to get involved in any of the customers complaint...

I need to close this account and redeem the touch points immediately...

Dear ADCB, I had very bad experience with one of your agents his name is Mark ( Credit Card -ADCB islamic banking) & his phone no is [protected]. This agent litterally unprofessional, unethical. He don't have any idea about how to talk to customer. He is such a dishonest and uneducated person.

Please discipline ADCB agent Glenn from Derby; his telephone number are [protected]/[protected]. He was very rude; he harassed me and my company He called more than 100 times per day. He talked silly things like stealer, defaulter, etc.

Where is the Consumer right to be protected when this kind of agent is not professional.

we have applied for Performance bond more than 10 days ago, still our request is on hold and our accounts relationship manager not answering properly.
Account relationship manager name = Nevena B. Matijas (M + [protected])
Her senior Mr. Majed is also on board in this issue but failed to solve.

Company Account # [protected]