Rakbank / The National Bank of Ras Al Khaimah
Reviews and Complaints

Dear Respected Authority,

This is with regards to my Credit card settlement and closure. I had a mortgage loan and a Titanium credit card from your bank.in Feb 2014 I had sold my property and had settled both my Mortgage loan as well as credit card at the same time. My RM, Ms Shabnam Abdurrahiman and Ms Stephanie D'souza from Burdubai Branch had taken care of the whole process of settlement for both. While I was there at the branch to do the needful at my end, after settling my Mortgage Loan, I was been asked to retain an amount of approx AED 40000/- in my account to settle my card as per the requirement and as per my card limit. However I had left more than that which was approx Aed 48000/- for the same. I was been asked to sign on the Credit card settlement request form as well as the Standing Instruction form in the same regards. A copy of the same was been given to me. You can refer to the transaction details of my a/c # [protected] for the month of Feb and also March 2014. Against that I was been confirmed and assured that my Credit card is been settled. Believing the words of your representative and with the copy of the Card settlement request letter, I had left from the bank with great trust. Thereafter there was no reason for me to doubt on the trust as I never received any call or email communication on the same for almost 4 plus years. Therefore after more than 3yrs of that, I didnt feel the need of retaining the copy of the Settlement request letter and while shifting of my house I unfortunately lost it. It is only few months back I got to learn from one of your recovery agency representative here in India that my card never got settled and I need to settle the same. With that, to my shock I got to know that the amount which I had paid to the bank in Feb 2014 for the settlement of my card is been taken towards the monthly minimum due payment of my card which I feel is a complete betrayence of the trust of your genuine customer. I have been a very genuine and loyal client of Rak Bank for more almost a decade and have maintained a credible relationship with the bank by never ever defaulting in my payment commitments. Also my genuine intentions to settle my card are evident from the fact that I had deposited and retained more than my Card Limit and outstanding of my card in my account in order to settle my card. If I had to make monthly minimum due payment then I wouldn't have left such a huge amount in my account and would have continued paying minimum due amounts separately to the bank. Therefore if you see then I have already paid not just the complete principal amount towards my Credit card but also the additional interest amount as well.
Mr Tuhin, from collections department from Dubai had been calling me to settle my card which I have already settled in 2014. I have been requesting to him as well as the other recovery agents who had been coordinating with me from past few months to provide me with the statement of my account from Jan 2014 till date which as the account holder is my right in order to understand where and how the amount given by me towards the card settlement is been used and adjusted. I dont see any reason to pay the same amount again to the bank which I have already paid and the bank has already recovered 4 years back. He had mentioned that there were some communications that were been sent on the address mentioned on my passport and a very old no of mine. I would like to notify you that those correspondence address and numbers had been changle long many years back and since after 2014 I had settled and closed my account with the bank, I never felt the need to update the same with the bank nor did I receive any call from the bank for the updation of the same.
I also want to notify that I even dont have the capacity for the pay that amount again especially in this current scenario when I have financially almost lost everything of mine. As like so many other people also I have been a victim of the recession due to which I had lost my job in Dubai and I had to come back to India. I am amongst those who are still recovering from the loss and hit of the recession and struggling for the same till now. However I have always maintained a good track record with the bank and have fulfilled all my responsibilities and commitments on or before time.
Considering the credibility and loyalty that I have maintained with the bank for more than a decade, I would highly request you to settle my card with the amount that I have already paid in feb 2014 for the same.

Attached is the last mail that I had sent to Mr Tuhin, your representative from the collection department for your reference requesting for the statement of my account to refer on which I have not received any reply yet.

I would request you to kindly consider my case and also provide me with the statement of my account # [protected] from Jan 2014 till date so that I can get a transparent clarity on everything.
For further correspondance you can email me on kapil. k. [protected]@gmail.com
Kindly revert asap.

Regards,

Kapildev Jaiswal

Rakbank / The National Bank Of Ras Al Khaimah
RAKBANK / The National Bank of Ras Al Khaimah Contacts & Information
Posted: Aug 9, 2017 by Rajavardhan Y
re: your rak bank settlement-tt - yeddu rajavardhan
Complaint Rating: 100 % with 1 votes
Contact information:
dubai, United Arab Emirates
Hi good morning sir/madam
As I Yeddu Rajavardhan was Dubai [protected]}holding RAK Bank credit card [protected] After i lost job in Dubai on 5th jan 2009, i am financially not in good, later on, after getting a job i came in contact of of Agent Name Santhosh (BIlkish Agent from Hyderabad office in Secunderabad, and in dubai also)Mr. Santhosh (Bilkish Agent ) told me to to clear the account which is AED 11, 000/ . For i negotiated for AED 5000/ but the deal was set for INR 80, 000/ which was at that time equal to AED 5889/. So i paid it on dhs 5889/- on 07th july 2009 .later on there were no calls after a couple of years later, so many agents called me i took their call and explain to them and attached the paid receipt to the E-Mail ID their after the never called. The point to be noted is that 2009 to till date Bilkish never called me regarding the RAK bank nor they gave me Settlement copy or NOC.when i met them in Hyderabad They denied taking the money nor conformed about any employee working with the name of Mr.Santhosh.In 2015 i got call from
R.K.Mishra
(TL-Skip Recoveries)
Smart Customer Services (P) Ltd
| Direct Line + 91-[protected]
ruchi.[protected]@smartcustomer.in
Email : rk.[protected]@smartcustomer.in | Web : www.smartcustomer. they were total drunk and started calling all my family member, office colleges, family relatives, friends and threatened them of the passport will be cancelled as Yeddu Rajavardhan in not clearing the account and they will be held responsible .They abused everyone in family, friends, relatives, i called them explained them i paid it i have a copy of payment slip of UAE exchange but nothing was going, i call Ms Joyce and explained it all, She said will come back to me but till date she is not taking may call at all.Then i met and discussed with mr. Sekhar/ joyce (Sekhar RAK Bank /Joyce Anchan )credit card n recovery team leaders of south indian from Tirupati), I have told 7 years of constant and continuous harassment from the rak bank agency even after payment of dhs 5889/- on 07th july 2009 which is also reflected in your statement, since the agency guy (billkish hyderabad) promised me of settlement letter. Till date I am getting call regarding the payments and settlement letter not given to me. Mr.sekhar/joyce (+[protected] / +[protected]) agreed that if i have payed this much banker will differently will issue the settlement copy, Who cum this happened he was also surprised. Mr.sekhar gave his india and UAE GSM Number and email id to me and told me to send a E-mail on Jan/Feb 2017 from that time he not take my call and not responding to my Mail's.I m calling sekhar/joyce (+[protected] / +[protected]) once I spoke to them over phone, they said they will tell me the status but till date they are not picking my call not responding to my mails.
later on i took the help of your site and started posting the complaints, Then Mr. Sekhar gave my telephone number to Sunshine Solutions in Bangalore (on 22nd May 2017 ) they called me a, again a send the attachment copy of my UAE Exchange . For which they also said they will revert back to me till date no one is taking my call or responding to mail mail. RAK BANK has harassed me, me my family life and my social position in the society even after the payment is done within 6 months of the default.I will fight till end regarding this. I M planning to go the UAE soon regarding this issue.How can they now claim me . I want settlement copy that 's all.
Kindly do provide me the settlement copy.
With regards,
Please call me,
+91 [protected]
+91 [protected]

Dear Rak Team,

Iam your credit card customer more than 2 years and unfortunately i missed out last two instalment since i lost my job, I had received email one of your colleagues Mr.Mohammed samee (Fintrestle) says that pay your minimum amount to avoid further consequences and i replied him that i came to India as emergency due to my Father passed away and i will settle my due amount asap once i reach back UAE. Further he called me over the phone and Mr. Mohammed started talking very unprofessional way and i informed him iam in india as my Father passed away i will clear my dues once i reach back, at that time he mentioned over the phone that " you killing your father for the payment dues". He really doesn't care about human consideration and he is talking inhumanity.
is the bank really knows that your colleague treating you customers in such a behavior?

I was recommended RAK bank when i opened a new business in the UAE.
A huge mistake to go with this bank !
I have been waiting nearly 3 months for my account to open and nothing !
A guy called sumit has promised me on several occasions my account will be opened and it with frustration and upset that I am having to write another complaint.
I have visited the bank, called several times a day.
The gentleman is now ignoring my calls I have asked for complaints number and email on several occasions, but my query has not been resolved.
All I want is my bank account so my business can operate, I will be approaching HSBC to open a business account today, my savings account is with them and was opened within 3 days.

I hope someone from RAK bank reads my complaint and understands the anxiety and stress they have caused me.

I have been with raknbank for over 8 yrrs and have had a good credit history. I suffered a stroke last year due to which I came back to India for treatment. All the way through I have been in touch with the bank and have been trying to reach a settlement. Now I have some agency by the name sunshine solutions trying to create unnecessary drama and claim to represent the bank and collect dues . As a gesture of o reachable settlement I paid 3400 dhs but still no response from the bank . I can be reached on [protected], I don't c this as a case that cannot be resolved. But kindly don't use illegal.means and let yourselves down to an extent where it shows a classic act from a reputed organizations that represents a great nation like UAE. Shameful

Dear Sir / Madam.
I, Sekhar Dharmarajan, is having a salary transfer account -[protected] since last three years with RAK bank and also has a STL with monthly installment 6561 AED with you. My current salary of 19847AED which is getting credited on 27th of every month. Since my STL was rescheduled in March I am unable to take any loan with any other banks. Hence I took a salary advance from my office on DEC 7th for 15903AED which will be recovered in three EMI starting from this month and hence the salary credited this month was 14546AED. I used to take alary advance from your bank since last 7 months. When my salary of 19847 is getting credited I used to get an advance of 12800 after taking the loan installment. When I applied for advance for this month system was showing only 2200 AED eligibility whereas I should be eligible for 7500AED at least. I called the phone banking and they asked me to go any branch. I went to UMM hurrair branch and met one customer service executive, Kapil-[protected], and showed my pay-slip and explained my situation. He mailed to operations and gave an answer that system is showing zero eligibility and cannot be changed. His attitude was not willing to help the customer. My mother is sick and I am in a distress situation to send some money to India urgently. Kindly do the needful to check and give me 5300 more advance to meet my immediate expenses.
Regards
Sekhar Dharmarajan
[protected] / [protected]

Dear Sir/Madam
I have cleared all the personal auto loan on 24th December 2014 in RAK bank King Faisal Street branch but still waiting clearance and sms from RTA. I am going on final exit and dont have much time to wait. I want to sale this car and register to another person. Could you please consider this. I have contacted to the branch but did not get any positive response.

My Loan Agreement No. is [protected]

Faheem Akhtar
Mobile No. [protected]

I would like to highlight the below problem I have been facing with RAK Bank.

"I had taken a personal loan of AED 440K from RAK Bank on September 2014. I have been paying my EMI's regularly and the current outstanding amount is AED 155K (Approx). I changed my employer in October 2017 and my End of Service Benefit (Hereafter shall be referred as EOSB) has been deposited by my previous employer at RAK Bank on November 01, 2017. I visited the branch on 05th November providing all my documents (Including Salary Transfer Letter, Offer letter etc) except my Visa and Emirates ID (as it was under issuance process) to release my EOSB. I was told to provide copies of Emirates ID and Visa in order to release the same. Again I visited the branch on 10th December to provide copies of my Visa and Emirates ID. I was advised by the Customer Service agent to wait for 3 working days so that EOSB can be released. During my continuous follow-ups, I was unable to get an appropriate response as all the customer service agents (phone/ Chat) provided me different reasons (No one actually looked into the problem).
I visited Umm Hurair Branch and the customer service representative clearly told me the hold was put by Collections department and I need to speak to RAK Collections team. I visited collections department on 16/12/2017, however the receptionist took my contact details and advised that a collection agent will call you. On 17/12/2017, I received a call from RAK Collections and the Collections officer told my EOSB will be adjusted to my existing liability with RAK Bank as this is a central bank procedure and Bank's Process. My terms and condition with bank was very clear that In case of my employment change, my EOSB will be transferred to RAK account but no consent has been provided to adjust my EOSB with my liability. When requested for my accepted terms and conditions, the collections officer denied to send. Also to note, there has been no central bank regulations supporting the Collection Officer's statement! It is clear the bank doesn't want to release my EOSB (even after providing all the necessary documents and a salary from my new employer has been credited to RAK Bank as well) and just providing fake information on their processes. I would also like to highlight, the RAK Bank Loan Executive (When approached me for loan) clearly told me in case I change the job, the EOSB will be released once the Salary Transfer Letter and other documents are submitted. So it means, there seems to be internal communication issues. Having made lot of personal commitments based on my EOSB, RAK bank has given me a shocker! Being a loyal customer since 2014 and paying my EMI's on time, do I deserve such kind of treatment?
Does the bank prioritize Selling its products and not interested in understanding customer concerns?
In case I have signed the Loan agreement which states, my EOSB will be adjusted to outstanding liability; I would like to request the copy of the same.
As the collections officer say if this is a Central bank regulation, I need a copy of this regulation/addendum/circular.
As I have provided all the requested documents and also since my new employer is listed, and not have been defaulted on any payments I would need my entire EOSB to be released

Actually, I had tried to purchase a phone subscription service from an international phone service provider.
Due to some unknown reasons, the payments got failed twice and I have got the mail from the service provider immediately that the status got failed.
So I purchased that service by using another bank card but it went through immediately.
I thought the refused payment order will be returned back to my account on the same day.
Unfortunately, not yet returned.
Then I approached the service provider who clarified the initial two attempts were failed and I was notified that happened actually.
Then I contacted the bank authorities after calling many attempts, they told me the wrong date that the order made.
Then they said to file a dispute against a merchant.
I feel there is some technical problem with the bank because the same issue had happened with another bank earlier but it sorted out sooner.
So I request the bank authorities to solve this issue immediately or I have to find out some other options...
Please find the attached proof.
Thanks.

I have been on default for 3 months on my RAKBANK Credit Card due to major financial difficulties, i'm paying for min.dues only but its not enough. Yesterday, 27-Nov-2017 the Agent named ANAS ([protected]) called and pushing me to pay the Min of AED950 before month end to at least cancel any legal proceedings the bank may file against me. I've explained my current situation that I don't have yet any cash on hand and requested to please wait for my salary after the Holiday (04-Dec-2017). However, he insisted and sent his colleague/collector to our office to get the AED950 from me. I've talked to the collector guy politely and explained that i don't have yet the fund and tried borrowings from friends but its almost month end and all of them doesn't have this amount. The collector talked politely and insist me to arrange before month end though from my side, i've said that my salary will only be receive after the Holiday. Then here comes today, we are busy in the office due to wide management meeting and ANAS called directly to our office, our Admin advised that we are on a meeting and if possible to call my mobile directly since this is a personal matter. However, he got mad and shouted to our Admin whose talking politely to him. Unfortunately, this guy shouted to my colleague and not listening to the explanation of our Admin. He threatened that he will send someone from RAKBANK to come to office and deal with her. The admin got mad and called me during the meeting and advised to check my phone(not allowed on the meeting) to talk to this guy which is harassing her. I talked to ANAS politely when i excuse from the meeting. I am trying to explain the situation to him but he got so angry and shouted to me and calling me B******t! He said the words many times and requested him politely to please stop saying bad words coz I am explaining, he cut me out and shouted that I dont have the right to explain or talk coz i need to pay after half an hour. Again i explained to him that i will settle the dues after receiving my salary in a few days and begged him to listen but he is so rude to the point that he is cutting whenever I am talking. May I ask if this is the right way to treat their customers? Even explaining politely they will shout and cut me out? He is insisting that I dont have the right to explain further? is this how a big and prestigious bank treat your client? To the point of unprofessionalism? I am clearly aware of my obligations and doing my best to settle it.

My name is Lima Mathew / o529523732, I have applied for a personal loan in Rak bank. My agent name is Mr.Ganesh, we give documents on October 19th, I received the verification call from customer care and they have updated my requested loan amount and EMI. On October 31st he visited again to collect the security cheque. After that he send me an Account No : [protected] and send me a formate of under taking letter. For that we have requested for the IBAN number, then he didn't respond, so we call the customer care for the IBAN number they said we can generate from website so we tried to generate and we received the update the account is invalid. Hence I tried to call Mr Ganesh he started to avoid my calls. We call him from another phone then he replied to contact Mr. Jayesh Kumar solanki (RM), via email I am sending email but he is also not replying. It's been almost 1 month. I registered a complaint via customer care and received a message

Dear Customer, Your request Reference number [protected] is still under process, we will keep you informed on your request status.

Today also I called customer care but telling requested reference number is under process. We are trying to call the RM in his mobile number he is not answering. But thankfully Mr. Ganesh send what's app updating RM is going to Head Office to update the status regarding loan.

But it's been 4 days after all these discussions. I wish to get a valuable update regarding my loan, kindly take necessary steps and update me via Email & Phone
Lima.[protected]@gmail.com.

It's almost too late ... I applied loan as part of my delivery expenses, I delivered a baby still now I didn't receive the loan.
I required an update as early as possible.. The agent at the time of application signing time said within 1 week you will receive cash as my organization is listed in A category and I have 1 and half + year experience in same institute with no Liability with my previous account holding bank as well.

But it's 1month +
I request the concern RAK bank department to take necessary steps to solve my issue. Expecting a positive update ASAP.

15/11/2017 11.00 a.m -[protected]
Myself Muthukumar [protected] working in Muraqabbat, received a call from rak bank customer service agent -[protected] his name is kannan for loan he asked the salary details then he said you are eligible for 100000 AED, Previously also some body from your customer service called for loan i submitted the papers then there was no reply, so i simply told if you can really offer me loan then only i can move further then he started using harsh language saying that why you are calling rak bank for loan, your company is not listed etc, I stated that you only called me for loan, not me, he simply disconnected the phone immediately,

Many of us where deceived in putting our trust and money in this product. Introduced to us that our savings will be distributed to different stocks so we can gain base on our savings.

Very unfortunate to say that no one ever in UAE has received such benefit on this plan and they are just using the people's money for Salama itself will benefit in this scheme.

No one is ever helping us to withdraw our funds.

Dear team,
This is regarding my personal loan (no-[protected]) (iban-ae030400000032569168001).
Am facing too much delay on your process and by yesterday (18/10/17) evening I got salary transfer certificate & I informed the sales person and he collected the letter by today morning around 9.30 pm. And he promised me he will submit the letter to bank before 10.00. And confirmed me the amount will release by today afternoon. But still not yet released. Am traveling by tomorrow night. Before I need this amount for some emergency cases. Due to some financial issue I took this loan & I cleared every documentation. But still I cannot use. I was trusted on rak bank &easy process. But due to this am totally dissatisfied...in future I will not recommend to anyone for rak.
Kindly requesting you to release the amount as soon as possible.
Best regards,
Varun
[protected]

I Laxmi Narasimman C R having Current Account (No.[protected]) as well as Personal Loan with your bank since 5 years (approximately in the year Nov.2012 onwards).

First of all, I apologize for not making payment on time.

I was working in Indian based company more than 10 years ie; for the period of Sep. 2006 to Aug. 2016. I have taken loan with RAK Bank during Nov. 2012 and was paying

monthly installment fully without single payment delay. Since I had switched over the job from Indian based company to Local based company, I had received my final

settlement around AED 60, 000/- from Indian Base company which was blocked by the RAK Bank and on my request, I received only AED 25, 000/- back based on the submission

of present job offer and balance has been adjusted in the loan amount. After showing the proof of documents, I restructured the loan amount and the total restructured amount is AED 132, 000/-, out of this, I paid Apr. 2017, May 2017, and partially in the month of Jun. 2017.

Past 2 to 3 months, ie; Jul. Aug. & Sep. 2017, I was unable to make payment since, I lost job ie; I received Layoff Notice from the 2nd company (Local based company).

Presently I am searching job in UAE and I am not running out of the country and staying in UAE and searching Job. Mostly, i will get the offer in 10 to 15 days time.

When I gave the main mobile number which was blocked by Local base company since the sim belongs to them. Also, I have given an alternate mobile number to the bank.

The alternate number was also blocked due to job changes and visa expiration which I resolved now. Now, my alternate number is working and I got a call from Bangalore through my India Number and I spoke with him and got the number of UAE Collection Team.

In the meantime, I approached your bank last week and spoke with your call centre personnel and requested collection number to reach them. By that time, on the next day, I got a call from Bangalore, India whose name is Mr. Shoeib and his contact number is:+[protected] and he sent one person to Chennai where my family is staying (he belongs to Andhra Pradesh) his name is Sajhid ... (he told like this) saying that he is coming from RAK Bank Bangalore and asked me money to pay. I had a chat with Mr. Shoeib who is stationed in Bangalore and got the number of Mr. Rakesh who is working in RAK Bank. His mobile number is: +[protected]. Mr.Rakesh

contacted me only one time ie; on Oct.8, 2017 saying that we are going to file case against you, to stop this, please pay 14, 500/- within Oct. 10, 2017. I requested time till Oct. 25, 2017, so that in 15 days I will get offer in the new company and I was waiting for the offer and plan to visit your collection centre people to re-discuss my payment plan and my problems.

On Oct. 9, 2017 I got a call from Mr. Shoeib from Bangalore, saying that you may pay back the dues within Oct.12, 2017, after that if you have not paid, they will file case against me, he said.

Now, the Bangalore person is torturing me and my family by visiting everyday and talking around my residing area in India which was not required.

On Oct.10, 2017, again I got a call from Mr. Shoeib, Bangalore saying that I have to make money whatever I have with me on Oct.10, 2017 evening itself, if not, he said that he will file the case against me. I told him that I am arranging funds with my friends who is staying in UAE which will take time due to market situation. He is not at all listening and keep on sending the people to India.

I do understand that I should not stop the payment which was never happened in 10 years. Once I switched over the job in Aug. 2016, I got these kind of problems.

Now, I hereby submit my explanation in chronological events as well as my Lay Off Notice for your kind perusal. Also, request you to kindly hold the installment due for at least 2 months.

Nobody is ready to listen my problems which I am facing and all RAK personnel are interested in filing case against me / penalisze me. Whereas I am ready to pay back and presently I request RAK personnel to give time only.

All these, I do not know, whom to address, hence I addressed you.

As a special case, kindly treat this e-mail on priority and arrange to hold the installment due for at least two more months. Also, if you started process of

proceeding legal case, please hold for time being. Once I got the offer, definitely I will come and meet your collection center personnel for re-discussing and rescheduling the loan amount.

At this financial crisis, it is very difficult to get job, but I have 3 offers, out of which, one job I will get very quickly.

I seek your cooperation in this regard and instruct your collection team Mr. Rakesh not to disturb my family who are living in India. Similarly, please instruct Mr. Shoeib who is residing in Bangalore not to visit henceforth my family in India. I am not telling that I will not pay, but I borrow time for extra 1 to 2 months to hold the loan amount.

Note 1: Mr. Rakesh called me through his mobile number only and not at the land line.

Note 2: Due to these bank personnel torture, I am taking anxiety tablet which was prescribed by Medeor Hospital, Abu Dhabi, UAE

Regards,

Laxmi Narasimman
Dubai, UAE

This is to complaint about the incident last night around 6:17PM. A person named Mustafa a collector from RAK Bank came to the vicinity of my place, actually we will going to meet for me to sign the documents for the restructuring of my Credit Card and the same time to submit the photocopy of my documents. I supposed to pay AED 960.00 for my over due amount. I let our driver deposit AED 500.00 and I supposed to paid additional AED 460.00 to complete the amount, unfortunately our driver was not able to pay it. He insisted me to call our driver since it was already 6PM and its not a working hour anymore, I told him I will took money and borrow from my flatmate the balance of AED 460.00, He started screaming at me saying " You are RUNNING AWAY" and don't want me to go out from his car where in-fact I will not and telling me to bring me to the police, I insist to come out coz its my right. He pulled my shirt and took my mobile. I still insisted to go out and get the money, he did not gave to me my mobile when I get the amount I came back and give the money to him.

He left a bruises on my left arm which is the caused of pulling my shirt. This incident is not acceptable especially to woman. He is strong and a man, its is not allowed to physically hurt a person just for him to collect money. I supposed to raised this to their management but for sure no one will listen to me even though I am the victim of Harassment done by their Staff his personal mobile number is [protected].

I will not allow this harassment and physically abuse done by a stranger. I will not let it happened again, collect in a nice way and not like what Mustafa did to me. Eventually I already told Police about this and if some in case he will come again near to me I will not be hesitant to report him. He caused me a nervous breakdown, if something happened to me last night AED 960.00 is not enough for my life, I have 2 kids back in our home country and supporting my 2 aging parents.

I attached the bruise left on my right arms and in any case I have all my evidence on what he done to me. Please collector are not allowed to Physically abused the customer. Hoping for the necessary action from the bank regarding this incident.

On the credit card, I had been charged over limit fee for which request was discarded. Spoke to agent Glen Paul, customer service representative and he informed me to consider online banking as a reliable tool for bank information instead of SMS for which my reply was why to offer a service which isn't fully reliable . Highly illmannered agent, Glen Paul who doesn't know how to be empathatetic to client and rather than being hearing was authoritative and rude. I asked him to transfer call to team leader or another agent for which he didn't do and continued to argue for 10 mins to prove his point by raising his volume. Is this what training is given to staff? Instead of understanding customer staff has attitude problem? may I get an invite explanation from bank for this staff's behavior please

I have rak credit card & in that I have taken smart cash but I wanted to foreclosure that amount I have called customer care more than 5 times 3 times I got reference number, but still they are not closed my smart cash loan &I have keep on paid extra 200 hundred aed interest. Still they will give reference number but it is not closed. Is it my fault or your rak bank customer representative fault? I kindly request you take this issue with proper way and resolve the problem immediately. Your customer care people are not responding in proper way. Its fault of your customer care people.

Name:godwin jayakumar karkada
mobile: [protected]
credit card no: 5260...7009

i'm rahul joshi customer with your bank & work in abu dhabi. today 08 Sep 17 me & my father 9 (in india) receive the call from Delhi india using CBI name & threatening & abusing on other customer name Akhilesh joshi who was working with me here in past. he threaten my father saying that he'll send police to my office. however my father who's heart patient same time called me & thought i did something wrong. i took his number & called him & he said the same thing to me that Mr. Akhilesh (who's defaulter of ur bank) said that i'm his brother so call me for money 7 abuses me.
i'm also a banker & know that how a bank collection agency call another cm for defaulter.
kindly take immediate action as if i'll receive any more calls i've to make police complain.
my details:- Rahul joshi
contact number :- [protected]

Initially I did NOT own the bank any debt, it was the annual fee and I aleady told them I lost my job in the Uae so I could not live there any more. Now I am not be able to pay the annual fee and wanted to close my bank account.

I tried to contact the bank ealier but didnt receive any response. now I was asked to pay 3, 286.06/- AED

Please advise who I should to discuss. I need to negotiate the amount.

Thank you.