Abu Dhabi Islamic Bank [ADIB]
Reviews and Complaints

I went adib jumeirah branch to update my new mobile number so they can delivere me new atm card.after that i am calling adib custemer service they tell to call ampost and when i call ampost they tell to contact adib .my last complain number was 464317 in which they said that atm will be delivered to with in 4 day that was 4 jun. And still now i didn't get the card .i call adib customer's services today no proper answer.

I had applied for a credit card 22 May. Filled out the forms. Someone called to confirm all my details. He said to me it will be ready in 3 to 4 working days. It's been 3 weeks since then and still nothing. When I ask his reply his it's Ramadan working hours are less. No excuse. Previously I had applied to change my account from saving to current, what the lady did at Jumeriah branch changed the account from savings to another savings account when I said change to current account. It took another 2 weeks to recieve my card for that account. Your customer service is ridiculous, easy to sell but doing the actual work and getting card to your customers, your useless at it. Definatly changing banks soon.

Honourable Sir / Madam I Qadir Bux Moula Bux holding Pakistani Passport no HA3997022 also an ADIB Saving ACCOUNT holder No. [protected] is bellow requesting for help me in mentioned matter.
1- My job was finished from ADNOC in Borouge was Employee no. BRW00936 and company transfer my end of services in my above account.
2- On 15-09-2016 I visited to ADIB Collection Branch in AUH and want to take all my end of Services Amt. But Bank refuse to release my total Amt. Till credit card cancellation in the system n on same day I submitted credit card at same branch also signed the cancellation form.

3- The gentleman on bank counter told me that Amt 13500.63 will be block for fourty days only after you may take your money through ATM which will not expired till your transaction after that account automatically will close as you are leaving country due to more job. But AllahumdillAllah.

3- After more than fourty days I called bank from Pakistan and asked them to release my block money so that I can take and start my own business in Pakistan bank reply me that you have to visit UAE also visit any branch give an application then we will able to release that Amount. I said ok Insha Allah will visit one month and also see my younger brother.

4- My brother applied my short term visit visa but SubhanAllah Visa was rejected several times so that's the reason I could not able to visit to settle my matter with and spend some days of Ramadan also visited to Sheikh Zayed Grand Masjid to heared Quran from Famous Qaris. SubhanAllah no naseeb.

Therefor I have request in your kind honor kindly intimate to bank to release my block amount which is my hallal and Haq. Insha Allah hope you will not disappoint me in above matter.

Jazak Allah Khairan

Wassalam O Allaikum

Best Regards

QADIR BUX MOULA MOULA BUX

Dear sir/madam,

Good afternoon!
I want to complain the one customer service representative in ADIB-Dafza Bank, I forgot to take his name because of my anger. The guy who is seated in the 1st desk. It happened today June 06, 2017 estimated time 11:35am, He don't have respect to me, ADIB must remove this kind of staff.

Regards,
Nelie
[protected]@kaahxpress.com

ADIB has made an inconvenience to me by presenting a cheque on 1st May 2017 for which the account was closed on 29th April 2017
Since that day I am following up with ADIB to issue me an apology letter by sending a written email to customer service and calling on 8002828 toll free number. As of today nobody shows any interest regarding the same and resolve it on priority.

Since the cheque was returned and the same update is showing in Al Etihad credit bureau report, I am unable to take any financial assistance from any bank without the apology letter from ADIB to prove myself.
following up with the issue for past 2 weeks and especially last 7 days in call but ADIB is handling my issue very lightly without giving me a positive response or taking the matter serious and resolve at the earliest.

Name: mohamed aly ayoub
Mobile:[protected]
My account : saving [protected] & spa [protected]

I contact one of your representative called ahmed okda (ahmed. [protected]@adib.com) from al ain for applying for personal load since 27, april 2017 and after a lot of required document, I called him last sunday to ask for the delay as he promised me several times that all this transaction will take 3 working days, I found that my request was rejected as my employer is not more register with your bank noting that I have a lot of commitments towards adib and iam a committed customer on the payment and he told me that via phone when I called him really iam very disappointed from such rejection as based on mr. okda assurance iam now on a very bad situation as I am committed with such loan
And after that he promised that he will find a solution then he let another one called syed arafat ahmed (sa. [protected]@adib.com) send me an email stating the following: we regret to inform you that your case cannot be processed as stl provided by your company is not accepted.

Regards
without any contacts of him & cc amr mohamed el sayed

I have submitted a request to ADIB on April - 9 to issue a no liability letter. the bank takes really long time and whatever the complaints you make to customer service, they do not mind. they say, they keep a system message to relevant to expedite the process and that will never move forward. I feel it as very unresponsive bank in terms of customer care.

I opened a current account with ADIB with their claim to provide over draft after 3 months.. After 6 months, I decided to find out if their claim was real.

I applied 1st time in Abu Dhabi mall branch and the agent told me that my nationality was mis-spelt, thus I need to submit my passport, visa, emirates ID and Salary Certificate which I did. Later informed that the legal department will look at my application and get back to me.

This never happened and after 3 days, I went back to check what happened and informed me that now, I can apply and I received the application number 437757 and told me confirmation will be in 3 days.

After 5 days, I checked with the help line [protected] without much help from there, I decided to move back to Abu Dhabi to check in the branch and was told, it was cancelled without any reason given.

I was advised to do it again which I did after submitting another Salary Certificate and Pay Slips and got another Application number 437822 which also was rejected for reasons best known to the bank. And they made others requests; 438089 and 450045 from Al Jimi mall Alain.

Out of frustration and uncoordinated information from agents in the Bank, I decided to face the Branch manager for the right information for the rejection since the agent still wanted to make a new request without clear reason why the others got rejected.

The Branch manager told me that since am outsourced staff, they can not avail the over draft and it is the policy in the Bank.

This leaves me wondering as the rest of my outsourced colleagues are able to get but me who has just joined can't. Secondly if it is a bank policy as clearly stated by Mr. Mohammed Al Jimi Branch Manager, it has to be communicated to all staff and if I knew it at very beginning, I wouldn't have gone through all this trouble.

Besides, I must have been communicated when the first application was rejected and information provided back to me but unto now only Mr. Mohamed is aware of this policy while the people he is managing are not aware.

Can't tell whose information is right or wrong but even on the website, it is not published and I condemn this unethical behavior of telling your customers what you want them to hear instead of giving the right information.

As an established bank, policies need to be communicated to all of the staff and shared with the customers so that they can make the right choices instead of providing partial information so that customer can make wrong choices. It is even against what You stand for. " Banking as it Should be"

Recently I was approached by this bank representative and ask me to do a buyout of loan from my previous bank, since even I had some financial issue I decided to take loan form this bank, after lot of effort and hassle I got loan after 3 months. This is because of the agent who was helping me in loan mr vineet joshi who did not know anything full information about loans and procedures. After receiving the loan unfortunately after 2 months exactly our department in company was closing down so our employer had given time for us to search for new job since during the loan procedure mr joshi had promised that the bank has option for job loss protection which I can use in case if I lost job, as soon I was informed by company I immediately called mr joshi and explained him and he confirmed me that there is a option for me to take job loss protection.

But for my surprise I got to know after visiting the branch that there is no such option in this bank and personal loan and I was given false information from this person I raised the complaint but the bank didn't even bother to hear my plea now am left with no money and running from division to division to give me differment for at least 2 months so I can find job and take the salary and start paying again but still there is no help from bank what ever I had got from the end of services benefit that also they have deducted from past months am taking loan from friends and relatives to survive and I was expecting I will take money form my end of service benefit I can repay my friends loans

I would strong advise people not to trust this bank and there staff because there is most careless and with no heart people. Who don't have human values and cheat innocent people

I want to complain about the customer service at adib bank, I usually go to the branch in bawadi mall, al ain, first of all I was waiting for my turn to discuss an issue regarding my account, my ticket number was the next one to be called and I waited an hour and a half for my number to show and eventually I approached the manager and he told me that there were some 'vip customers' and that I would be attended to next. So I waited another 15 minutes and then approached a bank teller / agent who very rudely told me to' just wait' and I would be next. After maybe 2 hours of waiting I was finally able to discuss my issue with the agent who was still incredibly rude. Since then I have had a few more equally terrible incidents, I now want to close my account. Advice to adib a large part of banking is customer service and its something you should train your staff in!

As i went to redeem voucher for flight, voucher they refused to accept, the reason i asked they said that voucher can not redeem for booking other person/family, only card holder can book flight tickets.

As per terms and conditions showing on backside of voucher there was no any this type of reason written.

After some discussion with dnata services, they told that if the bank is agree to do that, we can accept voucher. And my voucher is going to expired so now i need a new voucher because of bank fault.
Bank did not informed and and backside of voucher, there is no such type of term and conditions.

Dear complaints board,
I would like to bring my plight to complaints board’s attention in the hope that you can assist me in
Resolving an issue with my bank.
I took 3 loans from abu dhabi islamic bank (Adib) a few years ago. The loans I took totalled
Dh769000 and my monthly instalments were dh15, 000 in total. The total outstanding principal
Amount as of today (26/09/2014) is less than dh320000.
Frankly I don’t even know what my outstanding principal is as the interest is also included in this
Amount.
Recently, I managed to find a bank that was able to offer a better rate of interest and reduce my
Monthly instalments by a big amount.
To buy out my loan, the bank requires a liability letter from adib stating the amount I owe.
Adib however, issued a liability letter stating that I had to pay them dh426000. When I asked
Them what the extra dh96000 was for, they informed me that it was the expected profit they
Would have earned from me in the coming 2 years, which was the remaining tenure of my loan.
I informed them that my current outstanding principal is less than dh320000 and I am willing to
Pay for what I took, including the 1 per cent early settlement fees, which is what all the banks
Charge. They, in turn, informed me that this is how it works with islamic banking.
They also informed me that if I pay off the loan from my own funds, they will give me a liability
Letter of dh320000 but if another bank is buying the loan, they will include future profits to be
Made, which amounts to dh426000. This is clearly a tactic to force clients to stay with their bank
Despite their service being unprofessional and dishonest. I am shocked at the treatment I have
Received from adib.
I remember specifically asking the question when I took the loan from their officer mr. Ehab
Ismail (E. [protected]@adib. Ae), about paying off early and I was never informed about adding future
Profit rates. The only thing I was told by the very rude personnel (Who thought my shock was so
Amusing that he actually laughed at me) is: “you signed the contract, didn’t you?”
I also informed him that I never received any paperwork from adib and despite having asked
For it several times, I was directed from phone banking to branch to sales and never received any
Contract from them. I’m sure if they looked in their files they would find my original contract,
Because I never received it.
I am not asking adib to do anything other than let me pay for what I borrowed. It seems
Impossible to speak to anybody who is willing to even listen, let alone help someone in my
Position, which is why I have come to complaints board in the hope that you would be able to assist.

Hi,

I took al khair liabilities settlement, while signing the loan papers I asked for the papers, but the salesperson refused to give me the copies of papers he said that as per the banks policy he is not allowed to give me the copies. This sound very strange to me, so I contacted adib abu dhabi islamic banks call centre and asked them why I am not allowed to get the copies of loan application / contract papers, the customer service agent here too played a trick with me, he said that actually sir you should at least get one paper in which the loan amount, tenure, profit rate and start & end dates are mentioned. This customer service did not gave me the full information, actually the truth is that I should get the copies.

Now when I want to change the bank, the say I have to pay full profit of whole tenure. This is a scam and very un-islamic method of cheating people by abu dhabi islamic bank. My total loan tenure is 42 months, I paid 8 installments now I want to do early settlement through another bank / by paid cash, bank say I will have to pay full profit rate of full tenure i. E. 42 months.

Abu dhabi islamic bank - adib is full of scams and cheats.

I would like to bring to your attention a pattern of
horrible customer service that I have experienced with your bank. Multiple incidents
the latest of which your customer service representatives yelled / raised their
voice at me (a well-established customer of yours) and refused to transfer me
to their management.

On Thursday Oct 2nd approximately 2:30 pm I received
a call from your customer Service rep (Either Nada or Abeer el Naggar)
following up on a complaint that I previously filed (multiple times). She
stated that she can not help me with my complaint since they are missing papers
(proof of address). When I began questioning her as to why this was not brought
to anyone’s attention before (my account has been active for 11 months now) she
said it was not her job to follow up. Then I told her that the local branch has
all this paper work and that they should have contacted the branch she claimed
it was not her job to check with the branch and that she had no visibility to
what the branch has. When I began asking her how it is possible for a single
entity (ADIB Egypt) to be so full of red tape and unable to communicate
internally, nor externally to ask me for the documents they need she began
raising her voice and yelling saying that “that is the way it is”.

After asking her how is it that a customer service rep can
raise their voice to a customer she claimed firstly that she did not then that
it is because I do not want to understand.

I politely asked to speak with her supervisor, Ms. El Naggar
at first said there is nothing her Supervisor can do. After insisting that I speak
with a supervisor she transferred me to Ms. Noha Fouda

Once Ms. Noha Fouda picked up she asked me what is the
problem when I began explaining to her, she rudely cut me off multiple times.
When I made it clear that I was upset at the treatment and lack of customer
service and that it was unacceptable for a customer service rep to yell at a
customer she began defending Ms. El Naggar and saying she doesn’t know what
happened. When I explained / told her what happened she said she can not
confirm my story. I told her regardless of what she can or can not confirm if
the customer says something it should not be doubted she then began raising her
voice and asking me “do you want to listen or do you just want to speak”!

After this horrible and unacceptable
treatment from a supposed supervisor I asked to speak with her manager. She immediately
yelled “no I have no Manager”!

I would kindly like some input here
on how it is that ADIB’s corporate vision is “To be the top tier Islamic bank
in Egypt.” Yet this is how your customer’s are treated. I left Barclays bank
(as a premier customer) in order to deal with an Islamic bank one that promised
that they Nurture hospitality and tolerance (as per your corporate values) yet I
have found nothing of which was promised.

Looking forward to
your prompt reply

Dear All,

This bank is not at all working as per sharia and islam. They are ruining the life of their customers. I have done early settlement of my personal loan with this bank. First of all they play very bad delay and fraud tactics in issuing the Liability Letter. When i complaint to central bank only then they issued the liability letter.

When i paid the amount mentioned in Liability Letter, they deduct much more then that. When i contact the branch asking why this fraud done with me, they almost harassed me me and said this is the right amount, they liability letter amount is not correct. You can imagine there non islamic fraud theft behavior.

When i complaint in call center, they don't even bother to call bank.

When i submit complaint in my online banking section, no reply

After 1 month of making payment so far they have not issued the clearance letter even.

Is this islamic banking?