I have a complaint against ABN Amro, which got acquired by the Royal Bank of Scotland (RBS) and later by Abu Dhabi Commercial Bank (ADCB). Now the complaint is for the unsettled amount being claimed and reported by ADCB in Etihad Credit Bureau.
In 2008-2009, I had availed a credit card from ABN Amro and within few months decided to close the card. At that moment I had two cards with outstanding amounts of Dh150 and Dh50 on each card, to which I deposited Dh200 in one card and requested the bank to settle both outstanding cards and close them, as both were under the same customer ID.
But the same never happened and with multiple acquisitions of the bank, the liability went on moving from one bank to another and now I have been reported in Etihad Credit Bureau as a defaulter by ADCB.
At present I am a customer of ADCB with auto loan availed in 2013 and till date all the payments have been on time (no defaults) and also I was given a Gold credit card, which I closed as I didn’t have any use for it.
Since December 20, 2008, I have been writing to banks and also visited their collections team but no one listened. Every executive is behind their collection targets irrespective how it’s being taken and then, my issue got passed from bank (ABN Amro) to bank (RBS) to bank (ADCB). No one is taking responsibility regarding the outstanding credit shown in my credit report.
From Mr Chandan Kumar
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 Kumar’s issue, please be advised that our Service Quality Unit has investigated the matter and confirmed that the customer’s issue has been resolved as his credit status is updated now with Etihad Credit Bureau. Mr Kumar has been contacted and advised of the same. Case is closed.
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 Kumar responds: Thank you Gulf News. This was a nine years’ old issue of Dh200, which increased to Dh7,000 for no mistake of mine, as I paid Dh200 as per due date. Finally, it got resolved with an apology letter from ADCB.
(Process initiation: June 10. Response from organisation: July 26. Reader confirmation: August 26.)
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.
