I would like to formally express my significant dissatisfaction with the overall quality of service provided by Emirates NBD Bank in Dubai. Although the bank promotes itself as one of the leading financial institutions in the UAE, my personal experience has, unfortunately, been entirely inconsistent with that reputation.My concerns began immediately after opening my account. The relationship manager who initially persuaded me to join the bank has not contacted me even once since the account was activated. Despite assurances that I would receive ongoing assistance and support, I have been left completely without guidance or follow-up. This lack of accountability reflects extremely poor customer relationship management.Furthermore, for several weeks I have been attempting to resolve a very straightforward request: to have my loan installment debited directly from my Emirates NBD account instead of my LIV account. I have submitted this request repeatedly, yet every submission has resulted in nothing more than vague promises that the issue will be addressed. I have lost count of how many times I have been told that my request has been forwarded to “the concerned department,” an entity that seems to operate with no transparency and is entirely unreachable to customers. Every attempt to obtain clarification or an update leads only to automated responses and standard call-center messages. At no point has anyone from the bank taken the initiative to call me back or provide a meaningful update, despite numerous commitments to do so.In addition to these unresolved service issues, I encountered another unprofessional incident at the Al Quoz branch. Without asking for my consent, the banker attempted to submit an application for a credit card on my behalf. The fact that this was done without my approval is deeply concerning and raises serious questions about ethical standards and internal controls. Fortunately, I noticed the email notification on my phone in time to intervene and insist that the application be cancelled immediately. Such behavior is entirely unacceptable in any financial institution, especially one that claims to prioritize customer trust and transparency.Overall, my experience with Emirates NBD has been characterized by a lack of communication, poor organizational processes, unfulfilled promises, and, in some cases, questionable professional conduct. The level of service I have received is far below what should be expected from a bank that positions itself as a market leader in the UAE. I genuinely hope that senior management takes these issues seriously and implements the necessary improvements to ensure that other customers do not encounter similar frustrations.Until meaningful changes are made, I cannot recommend Emirates NBD based on my experience.
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