I had my credit card outstanding converted into easy payment plans (EPP) by the collections department of First Abu Dhabi Bank (FAB). The statement generated on March 20 clearly states the outstanding amount as Dh44,535.98. So I made a payment of Dh44,540 on April 3.

After numerous failed attempts to get connected to their collections team and after requesting a closure, I emailed the bank on April 5 with the proof of payment. I had also put in a request through their website about the same, with no response as usual.

Surprisingly, the bank sent me a statement on May 20 with an outstanding amount of Dh1,046.36! I fail to understand how the bank arrived at this figure when the outstanding was cleared in the previous month itself. Also, before converting the card to EPP, I had around 72,000 loyalty points, which the bank chose to block without giving it as cashback or in the form of vouchers.

All these years, I have had a harrowing experience in dealing with this bank and I continue to face the same even after paying my outstanding amount.

From Mr Suchit Bhatia


The management of FAB responds:

FAB supports the growth ambitions of its stakeholders and goes beyond financial products and services, and as such, we are grateful for all customer feedback as we strive to consistently deliver the highest standards of service.

The bank has been in contact with Mr Bhatia and the issue has been resolved and the customer has been informed of this.

Mr Bhatia responds:

I received a call from FAB stating all extra “interest” charges of Dh1,571.55 on my credit card’s EPP plan will be reversed. Their executive confirmed that the bank will be reversing all the charges, and a final statement with no liability stated will be mailed to me and my card/EPP will be cancelled within 20 working days.

I would like to thank Gulf News for the help.

(Process initiation: June 13. Response from organisation: July 6. Reader Confirmation: July 6.)

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.