Extremely Bitter Experience with UBL Credit Card Service

I am just sharing my a bitter experience with United Bank Limited (UBL), Pakistan. I had a credit card of United Bank Limited (UBL), Pakistan. Initially, I was hearing from people that UBL banking is not good they are getting extra amount from the consumers. Even than I made a mistake and requested UBL to make Credit Card. In April 2012, when it was renewed, I have refused to continue the credit card service of UBL and sent my credit card in two halves to UBL along with a letter to close my account and send me confirmation letter. Please Note: Before to submit my request, I had cleared all my dues on my credit card even with some extra few amount. Unfortunately, I have not received any letter from the bank and I was assuming that my credit card has been closed with UBL.

In 2nd November 2012, I have received a bill from UBL with the Late Payment Fee of total amount Rs. 3,052. Immediately, I called to service center and asked for the bill. They said to send the a written request on the following address.

Manager Problem Resolutions Unit
Customer Services
City Building, First Floor, II Chandrigarh Road, Karachi

I sent them a written request and request them to close my account immediately and send me written information about it. According to my knowledge, they have received the application on  6 November 2012. I am still waiting for the letter but then I have received another bill with the total amount Rs. 4,352 including last month payment Rs. 3,052 and Service Fee Rs. 141, Late Payment Fee Rs. 1,000 and FED on Late Payment Rs. 160.

It was surprise for me to receive another bill while I was expected to receive closed account confirmation. So, again I have called to service center then Mr. Rizwan (customer support representative) said that I must pay all of the amount then request them on help line for the confirmation letter which they will forward and then I will receive the letter. What a GREAT FUCKING service from UBL.

Now, I believe that UBL is trying to get money from the people. I strongly believe that they don’t care of the customers and only wants to increase their amount.

Just for the record, I also closed my another credit card account from Bank Alfalah and it was very good experience that immediately after 2 weeks, I have received confirmation of account closed. I really appreciate the services of Bank Alfalah.

Now, I am going to write another letter to UBL and will check if they respond me within a week otherwise I will not have any choice except to pay amount to UBL to clear myself from these people.

If anybody knows, how to handle this case, please advice.



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2 Responses to “Extremely Bitter Experience with UBL Credit Card Service”

  1. admin said on December 10th, 2012 at 10:51 pm:

    Ah, Ultimately, after writing a letter to President of UBL, I have received a call from UBL that I must submit the payment otherwise this will increase. There is no other way to clear your account.

    So, there was no any other choice for me except to deposit the payment. Today, I have deposited Rs. 4,400 to UBL. Now, I hope UBL will send back me a clearance letter.

  2. Mohammed Imran said on February 22nd, 2014 at 11:00 am:

    U r absolutly right, even i was facing the same problem from UBL thrice they charge panelty from me on delay payment even i submit chk a week before there due date. Thrice i complained on there help line they told to chk & revert my amount but i have to pay 1st, i did the same they told but cant get my money back from UBL. this always did when there is big transaction on card.
    Now a month ago UBL did the same i called and give the thread to hold there payment untill they cant apollogise and revert it. In this month they send the reversal now i do the same as u do cut the card and send them back.