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RAK BANK - UAE

United Arab Emirates

Consumer complaints and reviews about RAK BANK - UAE

azhar01 Send email
 
Apr 3, 2017

Credit card processing lies/frauds and Rude behavious

By visiting this page atleast I am a bit relaxed to see that this is not only myself being treated badly by sales/customer services/relationship team of RAK bank. Below is my story and complaint I have forwarded to RAK bank and they never bothered to resolve it:
*****************************************
In reference to one of my complaint which I have lodged by calling at your customer services help line, I just wanted to bring to your attention the attitude and bad behaviour of one of your sales agent. I have requested for a world credit card some three weeks before, and he has conveyed the same to me and took all the documentation and signatures from me to process my request. He informed me that there is a nominal fee of 250 AED which will be applicable from the second year, and there would be no cancellation charges for a credit card. But to my surprise, the card I have received is a platinum card which doesn’t contain some of the very features that I required utmost.

After reporting this incident to the helpline, I have received almost 6 -7 calls from that sales agent and the way how he is dealing with me was quite annoying and substandard. Like the last time, he dropped the call by saying now you do whatever you want to get a credit card. Later on, a lady from relationship team from RAK bank called me and tried to convince me to use the same card and literally forcing me not to block the same card.

During all of this episode, no one from RAK bank at least apologises me for what has happened.

I am really upset with this scenario and I just want to quit with RAK bank. I don’t need any product from RAK bank and I request you to give me back all of my documentation and the cheque which I have signed.

If RAK bank wishes to maintain its credibility in the market, he should care about its customers and discard the non-professional sales agents who are giving a bad name to RAK bank.
azhar01 Send email
 
Apr 3, 2017

Credit card lies and frauds

By visiting this page atleast I am a bit relaxed to see that this is not only myself being treated badly by sales/customer services/relationship team of RAK bank. Below is my story and complaint I have forwarded to RAK bank and they never bothered to resolve it:
*****************************************
In reference to one of my complaint which I have lodged by calling at your customer services help line, I just wanted to bring to your attention the attitude and bad behaviour of one of your sales agent. I have requested for a world credit card some three weeks before, and he has conveyed the same to me and took all the documentation and signatures from me to process my request. He informed me that there is a nominal fee of 250 AED which will be applicable from the second year, and there would be no cancellation charges for a credit card. But to my surprise, the card I have received is a platinum card which doesn’t contain some of the very features that I required utmost.

After reporting this incident to the helpline, I have received almost 6 -7 calls from that sales agent and the way how he is dealing with me was quite annoying and substandard. Like the last time, he dropped the call by saying now you do whatever you want to get a credit card. Later on, a lady from relationship team from RAK bank called me and tried to convince me to use the same card and literally forcing me not to block the same card.

During all of this episode, no one from RAK bank at least apologises me for what has happened.

I am really upset with this scenario and I just want to quit with RAK bank. I don’t need any product from RAK bank and I request you to give me back all of my documentation and the cheque which I have signed.

If RAK bank wishes to maintain its credibility in the market, he should care about its customers and discard the non-professional sales agents who are giving a bad name to RAK bank.
ash6768 Send email
 
Mar 12, 2017

Blunt & Rude Customer Care Executives

It's quite unfortunate that RAKBANK hire unprofessional staff's as their customer care executives. This is my second bad experience from the customer care executives whenever i lodged the complaints. My complaint( ID-15201055) was the cash deposit via ATM machine was not reflected in the account and unfortunately i didn't receive the receipt and the transaction shows error. I immediately reported this to customer care but the response which i got from their executive was stupid. First of all for each questions he held the line several times, it took almost 5 to 10 minutes for him to lodge the complaint, then he asked me to wait for 4 working days to do the investigation and credit the amount back to my account. I failed to understand why such delay in finding out missing cash deposit in an atm machine where every day their ATM collection team comes and pick up the cash& cheques and load the funds. The second day i called them again i spoke to another executive called "Steve", he got such a rude attitude he talked to me as if like i have borrowed cash from him and deposited into my account. For each verification questions he held the line several times, about 40-60 seconds each. After several long holds, he told me yesterday only i made the complaint we need 5 working days, so from his side he increased 1 more extra day. I have deposited the cash to clear my rent cheque which will due in following days, if the cheque returns then who will bear the cost. if we failed to pay the credit card for 1 day you charge me with the interest.
I am frustrated with banking with RAKBANK, that's the main reason i cancelled my credit with Rakbank and happy with their competitors. I am sure that there are thousands of people who are fed up with RAKBANK customer care response and their banking policies.

From
UNSATISFIED CUSTOMER
aelbambo Send email
 
Feb 5, 2017

Very poor customer service

I just called RAKBANK today to inform that I accidentally left my debit card in the machine. I spoke with a guy representative named BOB. First he asked for my card/ account number, i told him I don't know since my card was lost. So he asked some verification questions and held the line several times, about 30-70 seconds each. After several long holds, he asked me If I want a card replacement, so I said yes. Then he told me that there is a 50 dirhams charge for replacing the card. I pause for a second, then asked him what if someone found my card and return to any branch, will the bank call me to advise that my card is returned? (I know it may sound ridiculous but just hoping so I could save 50 dirhams for the replacement). He immediately respond that he already blocked the card. I got shocked and asked him why, he replied that it is the banks procedure. I told him that he should've informed me first before making some actions. He response with an irate voice that this is a bank's procedure and that he needed to follow. It got into my nerve that i told him that even if it's the banks procedure, I have the right as a customer to be informed of the actions to be done since it is my account that we are talking here. But he keeps on insisting that he cannot do anything about it as he is just following the SOP. I got the point, but what made me feel annoyed is the way he spoke to me as if i am under his control and that i cannot complain but to just accept the fact that he already made modification on my account. I am so annoyed that I felt like my right as a customer has been deprived and it added to my annoyance his behavior that he kept on talking and he doesn't let me talk. So i asked for his name and told him to transfer the call to the manager as I am now complaining on the way he is handling the situation. he gave the name BOB and told me that no supervisor is available to attend to me as they were busy on the other lines, but I insisted to wait. So he placed me on hold again for three times, about 2 minutes each. Finally I got the chanced to speak to his superior and made a complaint of how he handled our conversation. The supervisor told me that they will listen to the recorded conversation and will call me back. after a few minutes, the same agent called me and apologized for his misbehavior and admitted that he failed to inform me prior blocking my card.

Lesson learned: While RAKBANK have a procedure to follow, it is also their obligation to inform the customer about that procedure, the charges/ rates and ask confirmation from the customer prior proceeding further. REMEMBER that a customer will always be a customer. Always treat your them equally, regardless of nationality or how much money they have in your bank.
sadike143@gmail.com Send email
 
Jan 8, 2017

Rude Behaviour from customer service agent

Dear

I called customer service agent to resent my PIN from my land line, and was connected to Mr. Mirshad, while talking to him i got a call on my mobile from one of my colleague, so i just attend the call and said ,Mr XX iw i'll call back. that moment onward Mr. Mirshad start acting rude and said i was not suppose to share my card details with any family and friend , and i said ok. But he was going on insisting to whom i was talking and why the other guy called , and he threaded to block my card. Then i asked him why he said your card details was given to me from a different guy and then i transfer the call,I try to explain it but he was so annoying . So i asked to transfer the call to the supervisor . where he accepted to raise a complaint

Hopefully this will be the last time i will deal with RAK bank.
orloorlo Send email
 
Dec 1, 2016

Credti card scam

Hi,

I used to have Rakbank credit card few years back and I used it for online transaction

and there was no fee whatsoever for transactions, in fact there was cash back on the transactions..

And then I had an issue with them that they would not resolve until I complained

to the Central Bank.. Then I closed the card..

Fast forward 3 years, I was offered the card again.. I took it - big mistake..

I used it for same online transactions as well as 3 other bank credit cards..

Guess what .. They considered these transactions as cash withdrawal with a hefty

withdrawal fee 3 % and hefty interest 3% /month .. No other bank has ever done this

to me before and I am using 6 other banks..

When contacted they are never flexible and refer me to card xyz terms and condition

written somewhere.. They might as well have written that there will be a 5000 AED fee

somewhere... I mean really, it is like a trap for unsuspecting customers.

The phone operators can do nothing and always mention bank policy ..

This is going to the Central bank and I am already closing all accounts..

Considering their history, I don't think they would want to resolve this

and this is no way to keep customers.. But this is not my problem..

Another issue is they put this credit shield charge on the card without

informing before hand..

I mean really..

DEAL WITH THEM AT YOUR OWN RISK..

Credti card scam

mari22 Send email
 
Jul 13, 2016

credit card - poor assistance

Dear Sir/Madam,
I am very unhappy with the service. I have requested a restructured payment plan for my credit card. I went to the Collections dept in Ghusais on 8th June. I had to wait 1hr+ before I was attended to. However, once someone saw me I was very happy because I was reassured that everything will be sorted within a week & the guy was very convincing & polite. However, it is now 13th July & nothing has happened. I have been back to collections on 5th July & for what, to be told the same lie.
My 1st visit, I was told my card will be frozen & my payments will be structured over a period of 36 months, I filled/signed all the papers, gave all the necessary requirements, yet nothing has happened.
I have called a few times & was given this ref # SR3054931
You guys are fast at offering the cards, aggressive to get payments if delayed, but when someone comes to try & clear the debt, nobody is there to help. Very disappointed, to say the least.
rajahvengara Send email
 
Apr 18, 2016

Variation in Statement and Actual Purchase Value

Dear sir,




The statement you have generated is 100 % fake and cheating. More over kindly find the attached screen shot of the messages what I am receiving each time when I am making transaction. The difference between the available balance after each transaction ( 10/04/2016 Carrefour - Al Ghurair transaction amount 41.00 aed, Availabbe Balance : 3716.73 AED & 11/04/2016 Air India Limited 31771.00 INR Available Balance : 1963.07 AED) makes clear that the total sum of my purchase with AIR INDIA LIMITED, New Delhi, IND. dated 11-04-2016 is 1753.66 AED. But in the statement , for this transaction you have mentioned 1802.35 as transaction amount. And more over, I would like to refund me the excess amount stated in the statement.

Variation in Statement and Actual Purchase Value

Chungath Send email
 
Mar 26, 2016

Deliberately Cheating

Dear sir,

I have a RAK Bank personal loan with 15% interest rate, hence I thought of switching to other bank where I got for 4% interest rare..

FIRST ATTEMPT

Than during the month of October November I went to Al mall branch to apply for liability letter. I went there the branch representative pulled out some forms filled and told asked me to deposite 100 AED to start the process, I payed and got the letter after 5 to 6 days, and th validity of the letter was only 7 days including off days, so I had only 4 days and could not clear it out.

SECOND ATTEMPT

Than after few days again I went to Al Quoz Mall branch to apply again for liability,,, the same process the branch representative pulled out some forms filled and told me AED 100 Will be deducted from your account to start the process, and told me it will take 5 to 6 working days.. I had enough money I my account, but no detection were made for process, and on the 6th day the bank called me and told me you don't have enough credit in your account hence application is rejected. I had raised an Complant at costumer care, and some body from enquiry department has called and told me it was an error from branch hence kindly apply once again and I she'll expidat the process. And I got the letter on Thursday 10 March issued on Wednesday, so the letter had only 3 days validity, and due to lack in time I could not clear it out...

THIRD ATTEMPT

On 17 March I applied again at RAK dragon mall branch, the same process, branch representative pulled out some forms filled and told me 100 AED will be detected to start the process, And it will take 5 to 6 days to issue the letter... today is March 25 I have not received any information and the amount is still not dedutcted (MAY BE THE BANK IS WAITING FOR MY ACCOUNT TO BE OUT OF CREDIT ) than the bank can tell you don't have enough credit in your account so we cannot issue, but I have enough credit...

How ever I have raised a complaint again today morning.. Before further escalation.....
flower Send email
 
Aug 27, 2015

Rude Behaviour of the Customer Service Agent

Dear Sir/ Madam,

I had visited to the Al -Maktoum Street RAK Bank to open bank account and I was allotted to Mr. Kivindu Prasad. he was very rude us to me. His behavior and the way of talking to customers is really disappointing.

I am working for customer Service organisation as well. but the way he was guiding and responding me I felt that the people in RAK bank have not been trained.

it would be appreciated if the professional person approach customer. if the work is not done not or information is not extended properly an issue but be little kind.


Thank You
Acer Send email
 
Mar 25, 2015

Unsatisfied Service

I opened a Rak Bank account on line, all was going well and I was sent that my account is ready and waiting for me in Dubai at one off the branches. I am a foreigner and spoke to the bank before opening it and they said there is no problem to open an account.

I arranged then all my flights to be changed and also a hotel booking, the whole trip changing cost me about $1500-00 just so I can pick up my account package as they told me to do.

Once I arrived at the bank branch they told me that the bank can't open a account because I am a foreigner, I showed the branch manager all my documents and approval from the bank and what they sent me. He then contacted the main branch and the main branch had me on there system already, then the branch manager turned around saying that this is a new process and that I need more documentation.

I told him that the account is already open but still he insisted that I need extra documentation. I then gave him the documentation that he was asking for. He then told me he will sent it into the main branch and this will take about a week to be approved.

I was still amazed because my approval was already there, and I did not have a week to stay in Dubai. The branch manager told me he will give me a call and then all be sorted, this was in February 2015, we are already at the end off March 2015, and still I have NO account.

The bank is a waste off time and money for me and I just want to tell all future clients or people thinking to join RAK BANK, please consider another bank before you believe anything this bank is saying.

POOR...POOR...POOR service and bad management.

Regards

Tobie vd Walt
+9647806999023
p.s. THE BANK CAN CALL ME AND I WILL SAY IT TO THEM AS WELL......
sudevijps@hotmail.com Send email
 
Mar 24, 2015

RUDE CUSTOMER SERVICE STAFF

Dear Sir/ Madam,
I am the wife of one of your customers from Dubai. My husband lost his job in 2013 and he is having a personal loan. He was paying every month without any default. In 2014 Feb he could not pay and in 2014 Mar he got another job but unfortunately they were not paying the salary on time so the payment was delayed. But every month we paid.Your staff went to that office and shouted at the HR and he lost the job again. Somehow he could get another job there also the same thing happened. The salary got delayed and so the bank transfer got delayed and these people went and shout at the office and again he lost the job in Oct. After waiting for almost 5 months he got another job last week but we never stopped paying the installment. This month he requested them to hold and told that he already got another job and from next month onwards they will get monthly transfer regularly. But the collection department didn't want to listen and again today he got a call from the office that the collection department called the office and told that he has a loan and they told that settle it fast. In what way the new company is responsible? What kind of harassment is this? Also the way they talk is horrible. They tell that they will see that the visa is not getting stamped. Do they think that you can recover the money by doing so? We want to pay off the loan. We don't have any intention to run away like that. They should see whether it is genuine or not. If we lose this job then they are not going to get any payment after that. I request you to kindly take proper action in these kind of situations. Even they call the family and threaten them. What is this? They called me and said that they are bringing the police home and arrest him. Whom we have to complain in this situation?
Thanks
Sheela (050-7153776)
savferns24 Send email
 
Dec 23, 2013

PERSONAL LOAN - TOP UP

Dear Sir/Madam

Let me Introduce my self, S. Fernandes from Abu Dhabi, last month in November 2013 an agent Mr. Baskar from RAK Bank - Abu Hail Branch [Loans & Credit cards Dept.] called me with offerring me a a better offer on the top up against my exiisting personal loan. The verification process and the approved amount was disclosed to me on 5th December 2013. I was intemated that the process would take 2-3 working days, since then i have only being getting false dates and no updates from Baskar, then i switched on to Mr. Binu who claimed to be Baskars boss. Then there was a story that my signature mismatched after all approvals for which i even signed with a sample photograph of my bank account opening signature on Mr. Baskar's mobile phone "IS THAT LEGAL"....?

I have never faced this kind of problems before and with great regret I have to says that RAK Bank you should not have CSA’s who lie to the client. I have asked Mr. Baskar to send me a copy of my application form signed by me which I have a right to have and still not received. Every step of these issues were sent by e-mail to Mr. Larry Behl - Relationship Manager and i still have no call back from him not even a reply. Mr. Binu just says it will happen tomorrrow morning, then evening ...full of lies, i have been speaking to 10 different customer agents on 2130000...and i just get ...complains registered but no response from the Abu Hail Branch.

Ref No. given by Cust Service :9550189
Mr. Baskar - Mobile 052 7319870
Mr. Binu - Mobile 056 1175299

Well all the above just effects the reputation of your bank, if someone has any concerns will call back and handle this issue.

S.Fernandes 050 8128990
Dhananjay S Kamble Send email
 
Feb 23, 2012

Credit Cartd & Unprofessional Staff

Dear Sir/Madam

Let me Introduce my self, D S Kamble From Dubai, 4 Months Bank our company has opened a salary transfer bank account with RAK BANK UAE, While opening the account, i have been assured by the bank people that i will be getting a Credit Card, according to my eligibility, till now they (RAK BANK) has given me NO assurity, the CUSTOMER CARE Peoples are the WORST People of RAK BANK, they take their customer for granted, one of the customer care person told me even if i complain to their seniors it wont be any use, this is the way they talk, I SUGGEST OTHERS NOT TO OPEN ANY ACCCOUNT WITH RAK BANK THE WORST BANK IN UAE, VERY DISAPPOINTING & BAD EXPERIENCE WITH RAK BANK

I NEED A PROPER EXPLANATION FROM THE MANAGER ON THIS REGARD

KAMBLE
05072203
Nej Send email
 
Feb 23, 2012

Credit Cartd & Unprofessional Staff

my husband used to work in Dubai but in 2009 he asked for a 1 month vacation from the company because he needed to be by my side when I undergo surgery of the thyroid. He had a credit card debt at Rak Bank for less than 4000 dirhams. According to him, before he left Dubai, he went to the collecting agent to pay his dues, unfortunately they were closed because the said establishment was affected by the recession. On the other hand, he was not able to return to Dubai because the company where my husband worked was also affected by the recession. A local collecting angency is harrasing us to pay the dues 10x bigger .Unfortunately we dont have the power to pay now. can they send my husband to jail for not paying? thanks

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