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

We are in demand of money and getting the loan and we are repaying it back to the bank but once all the settlements done.
The bank won't respond us they simply say wait for 40 days but after 40 days also there won't be any reply from them.. if we go collections department in Qusais Nihal Building they make us to wait for half a day..
If we didn't pay the loan amount for a day they give case on us but they behave like something we are simply sitting at home they are working it seems..

I am Narinder kaur living in uae from 2015 to till now.i lost my job so i couldn't complete Rak bank due payments. When i get job i will deposit credit card payments soon.
From 8th august 2019 one person his name is Pankaj From Chandigarh(India)he called to my home country to my family spoke with my sister and with father on mobile .askng about money that u people give even they told that Miss Narinder Kaur still in UAE dont call us but He have my all family members mobile number i dont know how he took and calling again and again with very ruff languages. he is calling me also from india regular sending wts app msg with ruff talk.he said to me he is from Rak bank and he is here this india number is international.he is demanding 15000 aed to my father even due amount is less and he is talking like challenging.fully harassing me and to my family which in india.i have all his number and his voice recording also.
So Kindly Request Please take care of my complaint.

Thanks
Narinder kaur aulakh
My Contact no:[protected]

Dear Sir/ Madam,

I have already made my payment against my credit card, but keep getting messages and calls from your collection department. I'm currently outside of the country for my annual leave and will be back on September 5th. Please find the attached screen shot showing the receiving of my payment.
My card no. Is :[protected]
My email is arch.s.[protected]@live.com
Thank you

Hi,

One of your collection agent who handle my account, her name is Rachel. She keeps on harrasing me and even calling my colleagues to tell that I am defaulter. which affects my job. I know we have a confidentiality agreement when I took the card so why is this happening.? Why they are involving my company in all this stuffs. I am working now to recover from my debt. I am not running. if i want i should flew before but i didnt do because i want to finish all my liabilities. I will pay every month. but how can i pay if i will lose job again. I know I am liable, I know my debt. But I think it is not right to tell the whole world about it. I am not criminal. WHen i didnt lose my job i am a good payer but now your collection agents cannot give me consideration. as if I owe millions.

I hope you give action on this. I have also a rights as human being.

Hi I also have the same complaint as earlier customers. Also have credit card with Rakbank. I keep paying but struggle to stay afloat cause they keep adding more. There is one guy who keeps calling me and harassing me. I've asked to speak to his manager to which he replied there is no manager. I kept asking to speak to his manager, he won't let me and then later he told me I will spin a story to his manager. This guy is very rude to me and even harassing my parents now. He doesn't even listen to my dad! I've switched off my phone cause I don't want talk to that guy.

Dear rak bank uae

I received a call from Mr kunal from Rakbank collection department and he told me your account has been blocked due to default of your's company's employee Usman Sadiqque who was issued credit card from Rakbank and he was the authorise person to operate my company account, due to default he had run away from the country. I request you to please look into this matter seriously because my current incoming and outgoing payments could be disturb causing huge losses to the company further it is mentioned here that usman was only had power attorney for dealing my company matters not for own and bank didn't ask me or took any commitment or undertaking from me and rak bank Collection department mr konaal done unlawful and unethical act to stop my account and debiteded
so kindly discuss this matter with higer management and reslove this matter as soon as possible to avoid any further business losses
THANKS

Chaudhary Ali Akbar 

[protected]

Account no.[protected]

Traconpk trading LLC 

I'm writing this to convey the harassment that I have been facing from the debt collection agency on behalf of RAK Bank. I took a card of Dhs 18, 000 from RAK Bank a years ago and have since paid every installment to Bank. Back in December I missed wo payments and did no answer their calls. Representative called to my referee number and spoke to my brother y saying "if your brother does not make payment I will come to your home in Pakistan will get the money from your home without considering gender difference and I will visit his office will drag him here in UAE to take the money". Is this a way to approach customers? Then decided to stop making payments which later on I realized is not good as a citizen of UAE.

I was contacted by RAK representative (Ali Noby) collection department on social messenger which is illegal as per UAE law. He advised me to make payment at earliest so he could offer me restructure plan. I went to RAK collection office in Qusais signed papers for restructuring and made payment in April and forgot to get confirmation email from him as he said Dear you will get email from my colleague today (April)- since I have not received it yet! I made payment I approached him several times but did not get any update regarding my payment and restructuring plan. Then I decided to stop making payments to RAK which later on result as below-
One year ago, I lost my job and the outstanding amount at the time was Dhs 18, 000. The agency frequently called me and asked me to pay more than Dhs 1, 940 and finally provided a reference for April payment. I deposited the cash and confirmed with someone from RAK Bank collections department that I had paid my liabilities.
Recently, the agency started calling me again and asking for more money. I didn't have a settlement letter and all the communication I had done with the bank was via WhatsApp and mobile. I fought with those people, and I stopped answering their calls.
Day before yesterday I received call from third party (Ms. Kalsom Derby group- collection dept.) earlier she said I'm calling from legal department on behalf of RAK bank to open legal case upon you. Later she disclosed it was call from Derby Collection- conversation as below-

You have to make payment else we will proceed with legal action, which I requested her to please proceed because I can't make payment I have other liabilities too. Argument initiated and I clearly said her I am not going to answer you phone and she called my office and informed our receptionist that she is calling from legal department searching for Ubaid Patel- he has bad debt issues or financial issues with RAK bank and not in contact with bank as well. She spoke to our HR and said all this later on requested we do not share our customer detail with 3rd person which she already had discussed. She disclosed it to my company and she made many calls so I received email from HR regarding what's going on with bank. If my company receive call again re bank cards, chances could be there to terminate my services. Today morning she approached on my number and I did not answer her call- same she called on our office landline and started threatening that if I don't make payment she will send collection officer to our company so he will stay there- make drama and get the money out from you. I will not make payment and will see you in court by saying this I dropped her line. Her manager approached with same dialogues that if you do not make payments you will be pissed and we pay salary to our staff for this purpose only. Go and get money- borrow from someone or beg it but arrange before we call you tomorrow else be ready for drama at your work place by our recovery officer.

I called Dubai Police for this emotional harassment and they advised me to approach nearest police station to complain against that bank. This is what I am planning to do tomorrow.

Now, they are calling my office, complaining to the human resources department and trying to threaten and making issues with my job. I already got a warning from my company. I request Gulf News to please help with this issue else I will have two options either to receive termination or I will resign and move back to my country.

I was facing financial crisis here and as well as in my home country. I am being harass by them to get payment, I asked so many times to them but they never grant my request. I am so stressed and caused by blood pressure goes up into a very critical level. This harassment will kill me, I told them this will not pay my life. I want to avoid stress which will hamper my health.

Name- U Patel

I have taken credit card installment plan with zero interest only possessing fee which I paid on the first payment, as usual all installment should equally divided and added all processing fee on the first payment.I received message from the Bank for the payment AED15, 346 and I paid AED15, 500 more than that mentioned amount. After all I saw the statement charge me interest and in the statement mentioned due amount AED 15, 900and minimum payment AED15, 346 which I havent received on the message.For the remaining payment of AED 500 they charge me AED460 interest .

I called customer care about this and suggest me to pay balance amount for the cancellation of the interest and I paid AED1000 to avoid interest charge but bank simply cancelled after I pay additional amount even not consider to charge interest only for the remaining payment .
I am expecting from the bank to send the message proper or dont send message if its not complete. Or consider the request with humanity .

I am complaining regarding my top up in rak bank, i have an agent from abu hail branch name vereesh he is my second agent as the first one meghna from same branch handle my top up request, after submitting to her my documents 1st week of may 2019 she said its on process and after a month not even giving me follow ups and updates instead im the one keep on asking her about the status and that time only i will get update to her, she said its on process and she asked me a lot of time to submit my documents to different different email add, after few weeks passed still there is no update from her side i decided to call her she told me she cannot handle it anymore and i need to go to any bank and anyone from there can process it, she didnt give me any reason why and insisted me to go direct to the bank so i decided to go to rak abu dhabi tourist club i spoke to 1 filipina staff there her name is ellaine she told me that what meghna advise to me is not possible that i can have agent from abu dhabi but then she will transfer me to another agent named vereesh from abu hail branch dubai, they have told me to submit again my requirements After 2 days back i asked that vereesh as ellain told me he will give me call next day but he didnt, when i spoke to him he said yah its on process but then again he told me to submit my documents again and i did, after a month he told me its approved and someone will call me for verification i waited again for two weeks for the call and they said its approved and on process but after 5 days vereesh send a message to me and told me there is issue in my top up and its rejected, i send message to him and i said i will call u he told me no, your case is rejected i asked him a lot of time what is the issue and he didn't reply at all though he saw my message, so i call customer care but still i didn't get answer from them, so i decided to send mail to ellaine to call me as i dont have anyone to talk to as my agent is mute and not communicating she called to vereesh and informed them to talk to me and give me explanation. Then again ellaine called me i asked her if she knows the reason she said that she cant tell but its not me who have problem for i always pay on time but its comp rules and vereesh will explain to me she said to wait for vereesh call in the afternoon but still no call happened.. This is really disappointed for me as they have make me to wait for 3 months and said everything is ok, and only waiting for disbursement..if in the first place they cannot process they should have told from the very beginning so i can do something without expecting from them. If they said they have problem with my company then why the time im applying for top up and submitting my documents they told me yes they can provide loan for me.. this is really bad service and till now i dont received any communication from them, 3 months back another bank offering service of loans to me but i still preferred to be with rak as there loyal customers as they said they can provide for me, for rak bank i demand explanation about this i dont deserved to be treated like this as im a good customer of rak i always pay on time my loans. This is not only i experienced bad service to 1 staff of rak i advise that your staff need to undergo training in handling customer and their queries.. Still im expecting someone will communicate to me and tell exactly what is the reasons... Customer name: Joyce Fernandez/Abu dhabi

I have a credit card and 2 smart cash loans from rakbank. I went for vacation in june and came back in july 2019. My company policy is that they hold salary when employee goes for vacation and they release salary only once employee is back in the next payroll.

Since i was on vacation my salary was on hold and will be released on 28th of july 2019.

I was unable to meet my payments for june and july .due date was 22nd of these months.

I informed Mr Mahesh who said he is from collections department when he called me on 15th july that the payment for both june and july will be paid on 28th july.

After that every day ive been getting calls atleast 6 to 8 times (disturbing me at work).
And on 22nd july mahesh called up again to harras me.. he was very rude over the phone had no decency while talking to me and even though i told him that im in ameeting and will call him back kept calling me in uae and my family in india. He kept saying rakbank allowed me to go for vacation (though i dont know what he meant by that) and that i have to arrange payment doing whatever i should which i felt was very innapropriate words to use to a lady.

Rakbank has to understand that trying these scare tactics on people will lead to dire consequences. I was standing in the hot sun speaking contiously for over 45 mins... their insensitivity could have endagered my health and cost me my job.

I have never before defaulted a payment and this is this the way treat. Inspite of giving them an exact date for payment they refused to disconnect the phone and kept insulting and harrasing me.

I Jacobus Christiaan Grundling holding an account with National Bank of Ras Al-Khaimah PJSC is filing a complaint in regards with my End Of Service money in the amount of 37000/AED.

I went to the Al Qouz Branch on the 8th of July submitted all the documents required to update my new employment on the system and the SALARY TRANSFER LETTER as a proof of continuously payment for the loan. The bank rep. told me that the money will be released within 2-3 working days. Also, I was informed once you had your new residence visa from the new company and had obtained your emirates ID the money would be released. I have continued paying the loan while in the process of changing to a new company and now I have started new job with a well known company there is no viable reason to take the money.

Please note; that my gross monthly income is even higher that my previous company. And I never missed a single payment.

I cannot believed that Rak Bank with a great reputation has this disappointing level of service where in they don't really care and don't value their loyal customer. I called the Central Bank of UAE when I was in the Rak Bank branch on 17/07/2019 while I was dealing with the associates and they clearly said that as long as I have continued paying the loan and have a new job, the bank has no reason to block or confiscate my money.

But on 17th of July after an hour from my bank branch visit. I just suddenly received a txt message stating that all money as been taken away. I was shocked, coz they didn't even informed or communicated with me. It just happened without a warning.

I understand that I have a loan to pay, but what they did is unacceptable. I don't have any plans running away or not paying my loan.

I felt betrayed and robbed by the bank who I fully trusted with my money that i worked hard for.

And also their customer service did not really help me or as a matter of fact I did not really get the proper assistance or help that they should've done for me.

Now I'm still shocked about what happened and very disappointed with the service and the bank itself. But I'm still hoping that there's something that they can do to correct everything.

I will file a complaint to the Central Bank of UAE as they clearly mentioned that it was illegal and unfair. Also will take it to the Media platform so my case will be heard and not be taken for granted.

I opened a company in Fujeirah, me and my partners tried to open a bank account in RAK BANK, we came from France and Saudi Arabia. We took an appointment and we came only to open the bank account. When we arrived, the person in charge to open the bank account was not there, we called her, she said go to the office they will help you, we went there, we see that nobody knows what to do, so we called again the person in charge, she refused to come, i said to her we did 6000 km please to do only 20 km to meet us, she said please sign the document his colleague will give us and she will open the bank account, after two months we discover nothing was done and they cannot open the bank account, they ask us to come again. We spent a lot of time and money, we want to start working but because of them we are not able to start. They don't care about the customers.

My name is Vincent Robinson
Acc num [protected]
Rak bank takeover settlement has been processed and FAB bank Cheque is cleared
Now Rak bank are holding back 20600 +/- Durham, for credit card that I never received or used and there is no outstanding amount
It does not make sense at all
I made a request for this, request reference number [protected].
The staff are not helpful and they just keep sending me around in circles
Very frustrating to deal with, cause so much headaches. This has to be the worse bank to anything with.

Hi,

I am Antony, I have bought credit card loan ie instant money. Last month I got the statement of 824 AED. and I have paid 730 AED before the due date (07.05.2019). I missed the remaining due to poor service from RAK bank itself. Rak bank only accepts payment through CDM machine. I can neither pay by online or any other sources. I usually pay throght CDM machine in International City in England Cluster. For last month on 07.05.2019 I went to the same CDM machine but it was not in working condition ( Rakbank can check their records ). Then I roamed the whole interntional city for 1 hour and found another RAK bank atm in china Cluser. After wasting my time finding your CDM finally dropped money of 830 AED (One 500 Note +Three 100 notes + remaning change) in the ATM but it didn't accept 100 AED notes even after several tries. Then I went to near by shopes and managed to get one 200 note and 1 hundred not . But still it accepted 200 note only not the remaining 100 note. Then I tried all the shops to get change of 50, but I couldn't get the notes. So I haven't dropped the remaining 100 AED .

Later after 3 days one of the RAK bank custormer officer called me to pay the remaining amount. I told him the whole scenario happended on the day. Then he told RAK bank ATM doesn't accept newly printer 100 AED notes that is reason the notes got rejected . Then I managed to get an old note and paid the remaining payment after the due date.

Now I have been charged 210 AED as late payment fee + Finance Charge from the bank.

I know it is my responsiblity to the pay the full amount before the due date. However this also happened because of the poor payment option from the bank also. I have tried maximum to pay the full amount however it was not done because of your ATM machine was not working and even the other worked but it doesn't accept new 100 AED notes. and I have spent around 2 hours of my valuable time trying to pay the dew amount. I have faced inconvienience because of poor customer service of RAK Bank. Rak bank has charged me 210 AED as I haven't paid the amount in dew date

But What Rak bank is going to pay me for inconvienience made to me, my time and money by the Bank?

Dear Team,

I have outstanding amount on Credit card, due lost of my employment i was unable to pay the outstanding amount to RAK Bank,

Few days back an agency by name Sunshine Solution from India started approaching over the phone and texting me often i have requested them that i was suppose to get some payment once i receive i will close i explained to her ( Ms.Nivetha ) Sun Shine Solution Employee

The way they satrted the conversation is not good with unethical / unparliamentary language over phone and whatsapp messages .

Please look at sanpshots of the whats app what ever she sent me.

Thanks,
Prathap
+[protected]

From: anu zacharia
uae mob no. [protected]

customer since 2005, out of country now, so need to cancel the credit card on urgent basis. Upto date payment has been made to the bank.
Your team trying to verify my credentials, but since the card is blocked from your side, i am unable to login and get verified successfully.

Please assist urgently.

Current mobile no. [protected] in new zealand

thank you,
anu zacharia

Sir,

Regarding to my balance credit card (Card no: [protected]) payment and loan amount (Account No. [protected]), can you please hold and granted me three month time to pay my next payment, because of my company terminated me, they want to reduce their manpower.

In addition, the last credit card payment was on 10th of April 2019 one of my friend paid the amount on Next day 11th April 2019 because am in India now. Bank charge me overdue charges can you please eliminate the overdue charges.

This message already been sent on 10th May 2019, again bank charge me overdue charges. Please help me on this. I will come after this Ramadan month and ready to continue to pay the balance amounts.

Please contact me on [protected]
Ratheesh Kumar

An agent named Saichin from abu hail rakbank branch is being untrustworthy. Previously we agreed for a refferal comission, but after all the processes has been done and he got the refferal, he never complied with the agreement we had and always turns back himself whenever i tried to call him. Unreliable and untrustworthy act from a rakbank agent. Saichin is not true with his words, may be with the bank as well. I will never reffered back anyone with this guy again from rakbank.

Dear Sir,

I am dinu with you, I have taken the credit card with your bank march 2019 along with the bank loan.

Recently I have noticed that bank has deducted some amount from my salary account, later I have recieve my credit card statement & found there first 100 aed deductions and 315 aed annual fee charges and again 230 late payment fee charges, all total it's 645 aed.

I am not at all aware of this annual fee charges and before that from the bank side none of the person informed about the annual fee matter, from the time I have taken the credit the bank concern person communicate with me that credit card is exclude from the annual fee for the first one year.

Kindly do the needful for above mentioned matter and reversing the 645 aed asap.

Attached herewith are my credit card number
[protected]

Best regards
Dinu
[protected]

Dear Sir,

I Wish to Inform that we have been operating our Business Account with RAK Bank with good track record by maintaining the balance & doing regular transactions. But suddenly without any information or any intimation to us through email, registered mobile/ Letter, Our Account was Closed and we have not given any warning or intimation for closing the Account it came as big surprise to us. We approached our bank for transaction, it was informed to us that the Account is closed.

1. By closing the Account without any intimation/ Information has resulted in bouncing our two incoming inward T.T / Online payments resulting into a grave loss to us, not only that it has affected our reputation in the business.

2. Moreover all the cheques issued by us to our Clients are bounced as we are not aware of this situation otherwise we would have made alternative arrangements to issue cheques or advised them in advance to hold the cheques.

3. All Our Payment was deposited in the Bank Account & We are left with no money to run the business, which has seriously affected our Business operations.

It is therefore requested to re look into the above points & difficulties faced by us and request you to re open our Account or Amend the rules & regulations as as listed above, in the interest of safeguarding the businesses of UAE otherwise it is seriously going to affect the conducive business environment of the UAE economy.

We request yourself and the Bank Management and concerned authorities to reconsider the above grievances shared by us in the interest of making UAE Business economy robust .

We look forward to receiving your Reply & Valuable feedback at the earliest at [protected]@gmail.com

With Best Regards

For Steeledge Steel Scaffolding LLC
Y.S. Saini
Mob : [protected]