First Abu Dhabi Bank [FAB]
Reviews and Complaints

Never trust your money to this bank. You will never get them back. They will lie to you at every step. Lie about conditions, lie about terms, lie about benefits, lie about duration.

Trying to get back my fixed deposit for 3 months already. I was cheated by customer service manager Nidhin K.M in the beginning and in the middle of my cooperation with FAB. Im sure he would cheat me in the end, but he just stopped answering my calls and messages. All complaints from me through the website are probably go right to this guy cuz he is my manager and this guy just closing them “we were unable to call you” but no one called and no one even tryed to get in touch with me. Same things happen in branches. Elite managers never try to help you, they just there to take your money and submit issue requests which will never be solved. Never. If miracle could happen and someone from FAB would be so kind to help me, my deposit account is MM2314700177

Dear team,

Don't take any loan and Card from FAB Bank and Dubai first banks, they cheated me. I have taken September month quick cash 8900 with 6 months plan and 0% interest rate. Last 5 months I am paying EMI 1483.3/-, but still showing outstanding 7322/- amount. I sent mail to “[protected]@dubaifirst.com” but still no replay.

Name : Salmanraju Naidu/ +971 [protected]

Card number: [protected]

Attached herewith loan details

I am Director Planning in STREIT Group FZE, Ras Al Khaimah. I have opened online FAB One account through mobile app on 21 Aug 24 with mobile number [protected]. My ref Case number was CASA00420297, and later I received confirmation of opening of account IBAN Number AE98035195100612059800. The app works fine, and I can login, but I can't see anything in it. No balance or debt card details etc. May be my verification is still pending. More than 10 days have passed, and I don't have any visibility when I will get my debit card. Called many times to helpline. AI based answers doesn't solve the problem. Please activate my account as soon as possible and send me my debit card urgently.

Fab,

I already paid your inhumaine deductions from my account and even I go to your branch, no one is closing my account!

Why do you keep on charging to poor people even they do not want the fab account still you are forcing us to keep it. Haram!

I paid a lot because I cannot maintain anymore the minimum balance so I want it closed. You already took a lot of money from me please! Aallah sawf yaetani bik

Astagfirullah

I have submitted complaint for fraud transactions in September 2023 on the day when fraud transactions happened. the fraudster smashed all the credit limit in my credit card. Transactions made in Malaysia via contactless chip but I was in Dubai and card was with me. I raised the complaint to Central Bank and Dubai E Crime as well but they are keep on sending me sms for overlimit charges and no one is updating me the status despite all my emails. Central Bank case no. CAS-187503-C0P3Q1, FAB CASE NO. SR16741607.

Its been 90days over and no update has been given, how long will I wait. Please stop sending sms to pay overlimit as it was not my fault and it was fraud thats why overlimit has happened. I am customer for such a long time and you can see that I pay my dues on time.

Please resolve this issue the soonest and someone should call me.

Thank you very much.

Very bad experience with FAB credit card. They are fraud no. 1. Offered me credit card with “no annual fees” + 800/- cash back in 45 days. Guess what, after receiving 1st statement, they charged membership fees + other related charges. When called their call center, they informed me that there no card “free for life”. All cards are chargeable.

They will setup an internal inquiry but they will not notify me the result (laugh).

+[protected], this is the number of the person who mis-guided me with false promises and incorrect details. I wasted 10/15 days behind them, finally ended with paying all fees. Guys be aware and take details in their letterhead, before going for any deal or better avoid any kind of deals with this bank. They are really inspiring us to go stronger! ([protected]@wotek.com)-971 [protected]

She promised me there's no annual fees but I got charged 375. Something + additional charges credit card shield and accident insurance etc etc, each and every month. as membership fees and same was informed to call centre and they simply told me as a customer you should fill the form and read term and condition, and they confirm me that staff has been taken for internal actions but still Ms Monika fraud agent froud try to make me fool as to say, pay the full amount and next month it will be reverse, but after payment she disappeared and didn't reply.

Hence I go through with this company and found most complaints are equal about fake promised by sales agents, so it means the company is totally aware and support the agents to keep doing it and get the commission or else how it's possible most complaints are same since many years

HI Good Morning ,

Reference : 230926984232

I received an FAB Credit Card with Bonus Points in March 2023. Any transaction will receive a 5% bonus point, the salesman assured me. 1% Bonus provided call to customer care after 6 months on words; I received it for the first three months now that pain has changed. customer care personal if you want to close card no changes and no extra payment.

One month back close the credit and block card now i recevied statement 26/09/2023 you have 314 AED .

Hello, this is the worst experience I face by a reputable bank (FAB) in The UAE

I have sold my car through bank loan (FAB) - and I have no clear response about my Cheque which has been almost 2 weeks already

I have the FAB LPO and the new registration cards

value AED 618,775

LPO Reference number : 3006033

FAB Representative Robin Suku

This is unacceptable and I will be traveling soon I need the Cheque to be deposited in my account as soon as possible

As I have to send this case to the consumer protection if this wasn’t sorted by the bank asap

Hi my name is Nedelyn Loteno Sayson. I would like to follow up about my credit card account activation and reissue, its been a while i made alot of complaints and still nothing is happening. No actions almost 10 days now. You can contact to my mobile number [protected] about my fab visa platinum credit card account block issue. I want to follow up when u will reissue my card with card number ending 0640. Please take further actions. I cant wait for more delays please because the block is not good for my aecb reports. And I myself dont know what is the reason for this blocking from the bank i still not used the card and its just dissappear. I need a clear answer if the bank will cancel the card or not. If they will not reissue my credit card than please give me clear answer im already tired from everytime complaining and not getting proper answer all pending just m. I get alot of troubles since i open current account from activation from apply cards the agents just make my records not good. Please I want a response for this matter as soon as possible. Thank you

Dear FAB Credit Card Management,

I am compelled to write this letter to express my growing concerns and displeasure with your services. As a loyal customer, I am disheartened by the continuous disappointments and issues I have encountered recently, which I am obliged to bring to your immediate attention.

Firstly, I wish to discuss the issue of credit card delivery. On numerous occasions, I have found that credit cards must be delivered to the correctly named individual on the card, posing a considerable security risk. For example, I ordered a supplementary card for my wife; however, the card was addressed to me instead of my wife - neither Aramex nor FAB will do anything to alleviate the issue. Unfortunately, I am out of the country for several weeks, and my wife needs the card for her travels to Europe next week. Such careless mistakes should not be a trait of a prestigious financial institution like yours. It is alarming that the sensitive personal and financial information we entrust to you needs to be handled with the diligence it warrants.

Secondly, the inefficiency and inconsistency of your customer support system is a pressing concern. The long response times, contradictory information, and unclear communication channels have made dealing with your service exceedingly frustrating. It is unacceptable that a company of your standing in the financial industry does not prioritise customer service. The automated voice service applied to FAB voice lines is an absolute sham, a disgrace to humankind - 12 minutes hopping around the computerised system trying to get a connection to a human voice before the call hung up. Then the second attempt, I was put on hold by a very incompetent person for 38 minutes.

Furthermore, I have concerns regarding the clarity and transparency of your policies. Unexplained charges and fees not stipulated in the cardholder agreement have been an unwelcome surprise, leading to mistrust and discontentment. It is of utmost importance that your clients feel confident in your ethical business practices and transparent operations.

Lastly, the security of your credit cards has been a matter of concern. Credit card security is paramount in today's digital age, and I urge FAB to invest significantly more effort into ensuring the robustness of your security systems. To date, I continue to receive messages for a credit card that whats cancelled two years ago from individuals around the globe attempting to make payments.

I chose FAB Credit Cards due to your prominence as a leading credit card provider, and I had anticipated a much higher standard of service. My experience thus far has been below my expectations and leaves much to be desired.

Please immediately address these issues:

the incorrect delivery of credit cards

the inefficiency of customer service

the lack of transparency in your policies

the rigidity of your programs

the questionable security measures in place

I will pursue alternative credit card providers and close my account in the coming weeks.

I trust you will consider this feedback to enhance your services and reassure your dedicated customers.

Today at 10:36 I attempted to make a withdrawal of AED13000 for paying my rent at this ATM 7642. After I received the message to print a receipt or go green, the screen (computer) started rebooting, and I did not receive my money! I received a text message to say the money was taken from my account.

Please check your cameras, I did not receive the money! I phoned the helpline and they raised a ticket, however, it will take 10 days?Please, return my money, my rent is due today. I now have to take time off work, go to my landlord and show him your text that states the ticket was raised. See photos I took. Please check the cameras, or if I have to, I will contact AD police to check the street cameras.

I would like to bring to your kind notice that there was transaction dispute on 16-05-2023 in my Dubai First credit card ([protected]) for AED 20,904.79, which happened without my knowledge and authorization (24 transactions in 10 minutes during early morning).

I am wondering how this online scam is executed without any OTP confirmation or my authorization that too 24 transactions in 10 minutes. I am much worried/concerned about the security system.

Further, I would like to mention that I reported this issue on 16-05-2023 at 6.30 am, the moment I saw the transaction details in the Mobile app. and the card was blocked. During that time, I have been informed that the payment was on hold and not collected by the merchant and I requested the customer support to stop the payment. But, the customer service representative told that they cannot stop the payment. Again my concern here is, if the bank doesn't protect the customer by stopping the payment immediately for scam transaction, then the bank may loose its credibility among the customer.

Further, as per the advise of customer support representative, I filed a complaint in Abu Dhabi Police and the case was filed (Case no. 205/2023) on the same day [protected]). I submitted the following documents to [protected]@dubaifirst.com for further investigation. I request for your kind support to expedite the investigation process and refund/credit the money back in my account.

1. Transaction dispute form

2. Letter from Abu Dhabi Police

3. Transaction details

We have opted to foreclose our one payment plan (taken on 15 April 2023), requested the settlement amount and paid amount of AED 45,600 on 15 May 2023 (LESS THAN 1 MONTH). (No-one told me I could cancel the insurance we took).

I also requested foreclosure amount for second payment plan taken October 2022, and received the settlement amount.

Call center agent saw that the insurance for the previous foreclosed plan mentioned above (15 May 2023), still had the active insurance plan. I was told:

- that this insurance can be cancelled since it only ran 1 statement term.

- I was also told that the insurances is NOT mandatory but optional.

- He raised this System request for me for insurance cancellation on 30 May 2023.

- He explained the insurance for the plan taken in October 2022 cannot be cancelled.

We went to Dubai Hills Mall Branch same night (30 May 2023) and raised a complaint, number [protected] for the insurance cancellation issue and not being explained properly during requesting the payment plans at that time.

We were not:

- Told that these insurances are optional

- To our understanding the loan with the insurance walked hand in hand. You cannot have the one without the other. That is what we were told.

- We were not informed that we can cancel the insurances.

- We have also understood that we could cancel and settle the loan at any time.

Any insurance today is taken for liability risk.

If Insurance is taken for liability risk, it is then NOT required when the loans are settled.

Who would continue paying insurance for something they don’t have anymore?

Any insurance you take out whether it be life, household, salary insurance, you can cancel anytime. According to consumer rights.

We would never have taken the insurance in the first place if they did not make us believe that it was compulsory, as we have life insurance of our own.

We had to change the call center complaints several times because the details were captured incorrectly on system by Branch, and also the call center agents.

Sequence of events:

15 April, Took payment plan.

15 May, Called to foreclose plan taken on 15 April

15 May, paid the settlement amount

30 May, Called to get settlement amount for plan taken October 2022

30 May, Advised I can cancel insurance for plan foreclosed on 15 May.

Agent raised the request for this.

2 June, Received call that agent who raised request on 30 May to cancel insurance, raised wrong request.

2 June, Request was amended.

5 June, Call from call centre, trying to convince me.

I objected to this since the previous agent told me we could cancel within 1 statement run.

5 June, I phoned call centre again and requested to provide me with T&C’s

Nothing received to date

6,7,8 June I called for the T&C’s, NO RESPONSE TO DATE.

8 June, I went to FAB Head Office and spoke to Priya who said she can’t help us. And told is to go to the Branch manager at Midriff City Centre.

Branch Manager at Midriff City Centre could not help me.

The Branch Manager gave me the following email with the guarantee that I will be helped: [protected]@bankfab.com. Nobody phoned me to date after 2 follow ups.

Please! We need help!

Please bear in mind these loans are for school fees.

We closed all our outstanding amounts/loans on card, but still paying insurances which is NOT required.

The insurance policies need to be canceled.

I have been using FAB credit card almost 15 years, from the beginning it was FGB card and provided very good service. Unfortunately It is seem to be worse and worse in every aspects since 2019. My average usage of the card is AED 15000 per month and I have taken loan, balance transfer and easy instalment plan several times during the tenure. Now I express my feeling that the bank is cheating me in several cases. So I closed my loan (AED 75000) immediately and decided to cancel my credit card. It is not only my case, hundreds of customers are suffering, FAB google rating of FAB is Just 1.1 only!

Dear FAB,

on 31st of may 2023 at Mirdiff city center i have done early settlement of my card and since then i am like a begging to provide me clearance letter and cancel my Ccard but i am only getting only one reply from representatives that we have sent reminder email to branch. now it is more than 10days i dont have any update and im leaving country on 20th of june,2023 .

please help me.

Abid waheed molvi

Card Number : [protected]

Yesterday, I received a call from one of your commercial agent who informed me about the advantages of utilizing a credit card installment plan. I explicitly mentioned that I needed to consult with my wife before making any decisions and promised to get back to her. Unfortunately, the call was abruptly disconnected due to my work commitments. However, to my dismay, I have now discovered that she proceeded with applying for the installment plan on my behalf without my consent. This action is completely unacceptable, and I kindly request that you cancel this transaction immediately.