I have a credit card from Abu Dhabi Commercial Bank (ADCB) and after they filed a case against me, I settled all my dues with the bank on July 28, 2010. I have the settlement letter issued by the bank and other police clearance papers.
Since then, every four months, someone or the other calls from the bank or a legal office, regarding the case, and every time, I have to send them these papers.
For the past seven years, the bank has been sending me statements. The March 2017 statement showed my card limit as negative Dh12,960 and the outstanding balance as Dh159,799. The bank has consistently sent me text messages for the outstanding amount.
A few days ago, I spoke to the bank staff again, but as always, their reply was that they have already closed the matter. They promise to look into it again, but never get back to me with a proper response.
This creates unnecessary mental pressure, for no reason. I request Gulf News to help me clear this issue.
From Mr Jagdish Mewani
Dubai
The management of ADCB responds:
Thank you for your cooperation and communication with us in the endeavour to best serve our customers and resolve their issues.
Customer satisfaction is at the very top of our agenda, which is why we have an established Service Quality Unit that is dedicated to handling all customer enquiries and complaints. While we cannot comment on specific customer cases, we do take finding a solution for our customers very seriously and approach every situation with the best interest of the customer in mind.
With reference to Mr Mewani’s issue, please be advised that our Service Quality Unit has investigated the issue and confirmed that the customer was given full and final settlement to settle his liabilities with the bank on July 28, 2010, after he had paid all his dues, including the legal charges. However, the card was not closed due to a technical error, which resulted in accumulating charges on the credit card. We have now reversed the charges on the card and it is completely zero. We have also contacted the customer and notified him about the reversals and the case is closed now.
We continually urge all customers to contact our Service Quality Unit 24/7 by phone, email or web, should they need any further clarification regarding their issues.
We would like to thank you for bringing this issue to our attention and hence giving us the opportunity to further our servicing to our valued customers.
Mr Mewani responds:
I received a call from the bank and they have confirmed that the card is cancelled and closed. Thank you Gulf News, for the support to resolve this seven-year-old issue.
(Process initiation: May 9. Response from organisation: May 17. Reader confirmation: May 22.)
Editor’s note: Do you have similar issues that you would like to raise with us? You can write to us at readers@gulfnews.com.
