AmBank Group Customer Care

+60 3 2167 3000

www.ambankgroup.com

Level 48, Menara AmBank, No. 8, Jalan Yap Kwan Seng, Kuala Lumpur, Malaysia – 50450

TO WHOM IT MAY CONCERN.
I'm making a complaint regarding the above insurance which is still charging me through my credit card even though my request for cancellation since Feb.2017. It was purchased through telephone and conversations recorded under "Smart Partnership Moto Kuala Lumpur where the first deduction was in 24 Mar 2016.
I visited the branch office @ Penang Menara Liang Court and the staff of customer service was kind enough to make a call to K.L customer services. Every month, several conversations to K.L. office were made and recorded with the feedback from the officer I quote” the insurance will call you within 3 days time!"
Up till today, after so many attempts I still haven't got a single call from either the insurance company or the person in charged. Month after months despite every visit to your to make a stop, the insurance still debit me through my credit card.
I would like to request the Ambank credit department to stop payment and reimburse me.
Kindly take action on my complaint soonest possible.
Thank you.
Khaw. 15.08.2017

+60 3 2167 3000

www.ambankgroup.com

Level 48, Menara AmBank, No. 8, Jalan Yap Kwan Seng, Kuala Lumpur, Malaysia – 50450

Instructions to stop all auto-debit/cancellation of card
Request for credit card statements and request for
Waiver of finance charges and late fees that may have been charged / imposed for card no: [protected]
Krishnan a/l narayanan nair – nric no:[protected]-old)
=

I refer to my letter dated 3rd. March, 2015 and 23rd. July, 2015 and 23rd. October, 2015 on. The above matter.

2. I regret to inform that despite my numerous request for the monthly statements which you had not forwarded to me since you may have commenced the e-monthly statements. I also draw your attention that your officers had repeatedly on this matter, and i was told they will communicate with me, but to date, i have not received any response as yet. As i had informed your kind goodselves that my internet services are not available and i do not have access to the internet that i am unable to know the bills etc..

3. I regret to inform that being a loyal and faithful card hold for quite some many years, you non-response to my request for the all my monthly statements to be send to me vide hard copy. Thus, to avoid unwarranted imposition of penalty charges and interest which i am not aware and it is not known to me,. I had to request for the cancellation of the card. This add further problems to all my auto-debit registered with you.

4.in such a situation, how do you expect me to know the balance payable for each and every month. Now, i want to put an end to all dealing with this card and therefore, please forward all the monthly statement immediately so that the matter could be closed. Since your commencement of e-statement, i had not been aware of the monthly balance and whatever payment made is only on a rough estimation. It is very embarrassing to me being a professional man may not have paid the balance in full for reasons stated. I had notified you of the difficulties of not receiving your monthly statements, which may have caused or incurred unwarranted charges being imposed on me. It has further caused me embarrassment and undue frustration due to you not responding to me.

5. Once again, i humbly request you to waive all finance charges, interest or whatsoever charges that may be imposed as may be due to your non-postage of the monthly statements. I shall need some positive action from you, and your failure should now cause undue hardship to me. I seek your kind indulgence to take immediate actions to solve this problem.

6. Please do no hesitate to contact me at 019 – 737 5523 should your need any further information and clarifications. I had enclosed a copy of my previous letter which was self-explanatory.

Thanking you in anticipation.

Yours faithfully,

(Krishnan a/l narayanan nair)

My ic no. :[protected]
E-mail : [protected]@yahoo. C0om

+60 3 2167 3000

www.ambankgroup.com

Level 48, Menara AmBank, No. 8, Jalan Yap Kwan Seng, Kuala Lumpur, Malaysia – 50450

Krishnan a/l Narayanan Nair
No: 109, Jalan Bukit Impian 10
Taman Impian Emas
81300 Johor Bahru, Johor H/Phone : 019 – 737 5523
22hb. Januari, 2017

Ketua Pengarah
Bank Negara Malaysia BY FAX : 03 – 2691 2990
Jalan Dato Onn
P.O. Box 10922
50929 Kuala Lumpur.

Tuan,

PERMOHONAN SIASATAN DAN PENYELESAIAN MENGENAI
KAD KREDIT DENGAN MBF /AMBANK (M) BHD.
INSTRUCTIONS TO STOP ALL AUTO-DEBIT/CANCELLATION OF CARD
REQUEST FOR CREDIT CARD STATEMENTS AND REQUEST FOR
WAIVER OF FINANCE CHARGES AND LATE FEES THAT MAY HAVE BEEN CHARGED / IMPOSED FOR CARD NO: [protected]
KRISHNAN A/L NARAYANAN NAIR -NRIC NO:[protected]-OLD)
==============================================================
Dengan segala hormatnya, saya merujuk perkara tersebut diatas dan surat saya kepada AmBank bertarikh 3rd. March, 2015 and 23rd. July, 2015 and 23rd. October, 2015 dan 5 May, 2016 dirujuk.

2. Bersama-sama ini dilampirkan sesalinan surat-surat saya yang telah dikirimkan kepada pihak berkenaan, tetapi sehingga sekarang tiada penyelesaian dan ianya masih berterusan hingga faedah dan penalty dikenakan walau pun saya telah memaklumkan seperti berikut:-

i. Membayar setiap amaun yang dikreditkan kepada pihak-pihak berkenaan, tetapi tidak termasuk apa jua penalti, dan faedah dikenakan kerana tidak menerima penyata bulanan.
ii. Saya tidak dapat akses ke Penyata Bulanan melalui e-mail yang mana saya telah pun memaklumkan kepada mereka sejak awal-awal lagi, tetapi telah tidak diambil tindakan dan diabaikan.
iii. Saya sememangnya membayar setiap bulan dengan sepenuhnya sebaik sahaja menerima Penyata setiap bulan.
iv. Pembayaran yang kena dibayar dipercayai mungkin tertangguh apabila Penyata Bulanan tidak dikirimkan dan amaun tidak diketahui maka pembayaran tidak dapat dibayar hingga saya terpaksa membatalkan kad dengan serta merta apabila tidak menerima Penyata walau pun permintaan telah dibuat.

Oleh yang demikian, saya mohon bantuan dan kerjasama tuan agar tindakan perlu dapat diambil semoga nasihat tuan akan membantu saya.

Diatas bantuan dan kerjasama tuan, saya mendahului dengan ucapan ribuan terima kasih,

Saya yang menurut perintah,

(Krishnan Narayanan Nair)

Krishnan a/l Narayanan Nair
No: 109, Jalan Bukit Impian 10
Taman Impian Emas
81300 Johor Bahru, Johor H/Phone : 019 – 737 5523
5th. May, 2016

The Manager
Customer Service Department WITHOUT PREJUDICE
MBF Cards Berhad
Credit Card Services BY FAX : 03 – 2167 7722
P.O. Box 10486
50714 Kuala Lumpur

Dear Sir,

INSTRUCTIONS TO STOP ALL AUTO-DEBIT/CANCELLATION OF CARD
REQUEST FOR CREDIT CARD STATEMENTS AND REQUEST FOR
WAIVER OF FINANCE CHARGES AND LATE FEES THAT MAY HAVE BEEN CHARGED / IMPOSED FOR CARD NO: [protected]
KRISHNAN A/L NARAYANAN NAIR -NRIC NO:[protected]-OLD)
==============================================================

I refer to my letter dated 3rd. March, 2015 and 23rd. July, 2015 and 23rd. October, 2015 on .the above matter.

2. I regret to inform that despite my numerous request for the Monthly Statements which you had not forwarded to me since you may have commenced the E-monthly Statements. I also draw your attention that your officers had repeatedly on this matter, and I was told they will communicate with me, but to date, I have not received any response as yet. As I had informed your kind goodselves that my internet services are not available and I do not have access to the internet that I am unable to know the bills etc..

3. I regret to inform that being a loyal and faithful card hold for quite some many years, you non-response to my request for the all my Monthly Statements to be send to me vide Hard copy. Thus, to avoid unwarranted imposition of Penalty Charges and Interest which I am not aware and it is not known to me, . I had to request for the cancellation of the card. This add further problems to all my auto-debit registered with you.

4. In such a situation, how do you expect me to know the balance payable for each and every month. Now, I want to put an end to all dealing with this card and therefore, please forward all the Monthly Statement immediately so that the matter could be closed. Since your commencement of E-Statement, I had not been aware of the monthly balance and whatever payment made is only on a rough estimation. It is very embarrassing to me being a professional man may not have paid the balance in full for reasons stated. I had notified you of the difficulties of not receiving your Monthly Statements, which may have caused or incurred unwarranted charges being imposed on me. It has further caused me embarrassment and undue frustration due to you not responding to me.

…2/-
– 2 –

5. Once again, I humbly request you to waive all finance charges, interest or whatsoever charges that may be imposed as may be due to your non-postage of the monthly statements. I shall need some positive action from you, and your failure should now cause undue hardship to me. I seek your kind indulgence to take immediate actions to solve this problem.

6. Please do no hesitate to contact me at 019 – 737 5523 should your need any further information and clarifications. I had enclosed a copy of my previous letter which was self-explanatory.

Thanking you in anticipation.

Yours faithfully,

(Krishnan a/l Narayanan Nair)

Krishnan a/l Narayanan Nair
No: 109, Jalan Bukit Impian 10
Taman Impian Emas
81300 Johor Bahru, Johor H/Phone : 019 – 737 5523
23rd. October, 2015

The Manager
Customer Service Department WITHOUT PREJUDICE
MBF Cards Berhad
Credit Card Services BY FAX : 03 – 2167 7722
P.O. Box 10486
50714 Kuala Lumpur

Dear Sir,

INSTRUCTIONS TO STOP ALL AUTO-DEBIT/CANCELLATION OF CARD
REQUEST FOR CREDIT CARD STATEMENTS AND REQUEST FOR
WAIVER OF FINANCE CHARGES AND LATE FEES THAT MAY HAVE BEEN CHARGED / IMPOSED FOR CARD NO: [protected]
KRISHNAN A/L NARAYANAN NAIR -NRIC NO:[protected]-OLD)
==============================================================

I refer to my letter dated 3rd. March, 2015 and 23rd. July, 2015 on .the above matter.

2. I regret to inform that despite my numerous request for the Monthly Statements which you had not forwarded to me since you may have commenced the E-monthly Statements. As I had informed your kind goodselves that my internet services are not available and I do not have access to the internet that I am unable to know the bills etc..

3. I regret to inform that being a loyal and faithful card hold for quite some many years, you non-response to my request for the all my Monthly Statements to be send to me vide Hard copy. Thus, to avoid unwarranted imposition of Penalty Charges and Interest which I am not aware and it is not known to me, . I had to request for the cancellation of the card. This add further problems to all my auto-debit registered with you.

4. In such a situation, how do you expect me to know the balance payable for each and every month. Now, I want to put an end to all dealing with this card and therefore, please forward all the Monthly Statement immediately so that the matter could be closed. Since your commencement of E-Statement, I had not been aware of the monthly balance and whatever payment made is only on a rough estimation. It is very embarrassing to me being a professional man may not have paid the balance in full for reasons stated. I had notified you of the difficulties of not receiving your Monthly Statements, which may have caused or incurred unwarranted charges being imposed on me. It has further caused me embarrassment and undue frustration due to you not responding to me.

…2/-
– 2 –

5. Once again, I humbly request you to waive all finance charges, interest or whatsoever charges that may be imposed as may be due to your non-postage of the monthly statements. I shall need some positive action from you, and your failure should now cause undue hardship to me. I seek your kind indulgence to take immediate actions to solve this problem.

6. Please do no hesitate to contact me at 019 – 737 5523 should your need any further information and clarifications. I had enclosed a copy of my previous letter which was self-explanatory.

Thanking you in anticipation.

Yours faithfully,

(Krishnan a/l Narayanan Nair)

c.c. 1. Ketua Pengarah
Bank Negara Malaysia
Unit Kawalan Bank
50000 Kuala Lumpur.
(Untuk makluman dan perhatian tuan)

Krishnan a/l Narayanan Nair
No: 109, Jalan Bukit Impian 10
Taman Impian Emas
81300 Johor Bahru, Johor H/Phone : 019 – 737 5523
23rd. July, 2015

The Manager
Customer Service Department WITHOUT PREJUDICE
MBF Cards Berhad
Credit Card Services BY FAX : 03 – 2167 7722
P.O. Box 10486
50714 Kuala Lumpur

Dear Sir,

INSTRUCTIONS TO STOP ALL AUTO-DEBIT/CANCELLATION OF CARD
REQUEST FOR CREDIT CARD STATEMENTS AND REQUEST FOR
WAIVER OF FINANCE CHARGES AND LATE FEES THAT MAY HAVE BEEN CHARGED / IMPOSED FOR CARD NO: [protected]
KRISHNAN A/L NARAYANAN NAIR -NRIC NO:[protected]-OLD)
==============================================================
I refer to my letter dated 3rd. March, 2015 on .the above matter.

2. I regret to note that I am yet to hear any response from your kind goodselves. It has more than five (5) months since I had notified you of the difficulties of not receiving your Monthly Statements, which may have caused or incurred unwarranted charges being imposed on me. It has caused me embarrassment and undue frustration due to you not responding to me.

3. In the circumstances, I write to inform you that, I hereby instruct you to stop all auto-debit instructions that I have given you for this card. I want it to be stopped immediately, and write to inform that I shall not be liable for any further charges and debits that may be done with immediate effect, viz: 23rd. July, 2015.

4. Once again, I humbly request you to waive all finance charges, interest or whatsoever charges that may be imposed as may be due to your non-postage of the monthly statements. I shall need some positive action from you, failing which I may take to proceed with any actions that deems fit and proper.

5. Please do no hesitate to contact me at 019 – 737 5523 should your need any further information and clarifications. I enclose herewith a copy of my previous letter which is self-explanatory.

Thanking you in anticipation.

Yours faithfully,

Krishnan a/l Narayanan Nair

Krishnan a/l Narayanan Nair
No: 109, Jalan Bukit Impian 10
Taman Impian Emas
81300 Johor Bahru, Johor H/Phone : 019 – 737 5523

3rd. March, 2015

The Manager
Customer Service Department WITHOUT PREJUDICE
MBF Cards Berhad
Credit Card Services BY FAX : 03 – 2167 7722
P.O. Box 10486
50714 Kuala Lumpur

Dear Sir,

REQUEST FOR CREDIT CARD STATEMENTS AND
REQUEST FOR WAIVER OF FINANCE CHARGES AND
LATE FEES THAT MAY HAVE BEEN CHARGED / IMPOSED
FOR CARD NO: [protected]
KRISHNAN A/L NARAYANAN NAIR
NRIC NO:[protected]-OLD)
==================================================
I refer to the above matter.

2. I write to notify your kind goodselves that I had not been receiving the monthly Credit Statements for the last couple of month. I regret to inform that this had caused a lot of problems and frustrations as I do not know what is the amount due and owing for each month. However, on a rough and unknown basis, I had made some payment which is only my estimation, which may not be correct.

3. Secondly, I write to inform that I had not requested for any other mode of Statements from you, including, Electronic Statements as I do not have access to my e-mail and I do not intend to use the e-mail. I also do rarely use my e-mails. Therefore, if you have done so, it has been done unilaterally for which I may not be responsible. My call to your office seems unanswered and I do not waste my payment for telephone charges as well.

4. As such, I write to seek your kind assistance to forward me the monthly Statements which had not been sent to me for my verification of the usage and payment as well as to waive the finance charges and late fees imposed (if any) and do notify me of the development. Please do send me the monthly statements requested as well. At the same time, I would also seek your kind consideration as to my request.

Thanking you in anticipation.

Yours faithfully,

Krishnan a/l Narayanan Nair

+60 3 2167 3000

www.ambankgroup.com

Level 48, Menara AmBank, No. 8, Jalan Yap Kwan Seng, Kuala Lumpur, Malaysia – 50450

To whom it may concern

I went to sungai siput, perak branch to open a current account for my company and was forced to signup a saving package of rm150 per month for great 10 years.

To which, we are not happy and turn down the package. After we sternly mentioned that we are not interested in the saving package. Upfront our application to open a current account was rejected.

When we question more, the person unwillingly take our application and told anyway it will be rejected since you didn't take the package.

Today, i received a call from this number[protected] and said that my application was rejected and no reason was given.

To your information, my car loan is with your bank, few months back my gold credit card was approved with your bank and my payment 100% ok.

Then why application to open a current account was rejected.. Without valid reason.

Is it just we doesn't want the saving package my application was rejected or the person in sungai siput doesn't submit my application at all…

I need solid reason for the rejection and should it need i will go thru press to get it sort it out as i'm really disappointed with the treatment we receive at your branch and the rejection too.

+60 3 2167 3000

www.ambankgroup.com

Level 48, Menara AmBank, No. 8, Jalan Yap Kwan Seng, Kuala Lumpur, Malaysia – 50450

I would like to complain on the delay of refund for my housing loan that has been fully settled on 10 july 2017. I was informed that i should get the money towards july month end but unfortunately i am yet to receive the money up until today (27 sept 2017).

I have made queries and close follow up with the team in-charge and the team keep on giving dates one after another. However, i did not get the money yet. It become worst as nobody actually take an initiative to inform me on the delay or whatever until i am the one who raise the query. I assume no one is looking into this to monitor on the refund. This is very bad services.

Please escalate this matter and refund back my money to my bank account immediately and i cannot wait to hold for another time.

This is the bad experience that i ever face dealing with bank.

Email communication is as follows:

From: joseph bosco [mailto:[protected]@ambankgroup.com]
Sent: friday, september 15, 2017 3:15 pm
To: nur azyyati bt mohd (Fin&risk/upstream)
Cc: ambank affiliate desk – housing ; fariza aini merican binti sultan uddin merican ; nickie adilah yeong binti abdullah
Subject: re: housing loan settlement[protected]Urgent!)

Dear puan,

After checking with our refund unit, due to technical error, the refund amount will be credited into your salary account this month end.
Any inconvenience caused is much regretted.

Regards
Joseph bosco
[protected] ext 81679.

From: nur azyyati bt mohd (Fin&risk/upstream) [mailto:[protected]@petronas.com]
Sent: friday, september 15, 2017 9:46 am
To: fariza aini merican binti sultan uddin merican; nickie adilah yeong binti abdullah; joseph bosco
Cc: ambank affiliate desk – housing
Subject: re: housing loan settlement[protected]Urgent!)

Dear fariza & all,

Any updates? Please help to expedite the process and refund to my bank account asap.

Thank you.

From: fariza aini merican binti sultan uddin merican [mailto:[protected]@ambankgroup.com]
Sent: thursday, september 14, 2017 4:30 pm
To: nur azyyati bt mohd (Fin&risk/upstream) ; nickie adilah yeong binti abdullah ; joseph bosco
Cc: ambank affiliate desk – housing
Subject: re: housing loan settlement[protected]Urgent!)

Dear puan,

I will check with the refund unit and will update you the outcome.

Regards:
Fariza
[protected] ext 83643

From: nur azyyati bt mohd (Fin&risk/upstream) [mailto:[protected]@petronas.com]
Sent: thursday, september 14, 2017 2:38 pm
To: fariza aini merican binti sultan uddin merican ; shahidah hanum binti baharudin ; nickie adilah yeong binti abdullah ; joseph bosco
Cc: ambank affiliate desk – housing
Subject: re: housing loan settlement[protected]Urgent!)

Dear fariza,

Pleased to inform that i have yet to receive the refund in the account as of today.
Why this is taking so long to refund in my bank account.

Appreciate your immediate action on this.

Thank you.

From: fariza aini merican binti sultan uddin merican [mailto:[protected]@ambankgroup.com]
Sent: tuesday, september 5, 2017 2:13 pm
To: nur azyyati bt mohd (Fin&risk/upstream) ; shahidah hanum binti baharudin ; nickie adilah yeong binti abdullah ; joseph bosco
Cc: ambank affiliate desk – housing
Subject: re: housing loan settlement[protected]

Dear puan,

You may check your account within this month from 7th-14th of september 2017.

The refund will be credited into your mbb a/c[protected] of rm 7, 203.94.

Regards:
Fariza
[protected] ext 83643

From: nur azyyati bt mohd (Fin&risk/upstream) [mailto:[protected]@petronas.com]
Sent: tuesday, september 05, 2017 2:04 pm
To: shahidah hanum binti baharudin ; nickie adilah yeong binti abdullah ; joseph bosco ; fariza aini merican binti sultan uddin merican
Cc: ambank affiliate desk – housing
Subject: re: housing loan settlement[protected]

Dear shahidah,

As of today, i have yet to receive the refund although i supposed it should be in my bank account by end of last month.
Appreciate if you could help on this.

Thank you.

From: shahidah hanum binti baharudin [mailto:[protected]@ambankgroup.com]
Sent: thursday, august 24, 2017 12:00 pm
To: nickie adilah yeong binti abdullah ; nur azyyati bt mohd (Fin&risk/upstream) ; joseph bosco ; fariza aini merican binti sultan uddin merican
Cc: ambank affiliate desk – housing
Subject: re: housing loan settlement[protected]

Dear puan,

Usually the refund amount will be credited into your salary account towards end of the month.

Thank you & regards
Shahidah | executive
Retail banking operations

From: nickie adilah yeong binti abdullah
Sent: thursday, august, 2017 8:52 am
To: nur azyyati bt mohd (Fin&risk/upstream); joseph bosco; fariza aini merican binti sultan uddin merican
Cc: ambank affiliate desk – housing
Subject: re: housing loan settlement[protected]

Dear cmu,

Please assist

Thanks

Regards,

Nickie adilah yeong
Strategic partnership
Ambank (M) berhad
Address: mezzanine floor, bangunan ambank group, no. 55, jalan raja chulan, 50200 kuala lumpur.
(Dl):[protected]/7646/0319/6530/6528
:[protected]@ambankgroup.com

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Disclaimer:
This message may contain confidential and privileged information for its intended recipient (S) only. If you are not an intended recipient, you are hereby notified that any review, dissemination and distribution, printing or copying of this message or any part thereof is strictly prohibited. Please delete the entire message and inform the sender of the error. Any opinions, conclusions and other information in this message that are unrelated to official business of ambank group are those of the individual sender and shall be understood as neither explicitly given nor endorsed by ambank group.

From: nur azyyati bt mohd (Fin&risk/upstream) [mailto:[protected]@petronas.com]
Sent: wednesday, august 23, 2017 10:13 am
To: joseph bosco
Cc: nickie adilah yeong binti abdullah; ambank affiliate desk – housing
Subject: re: housing loan settlement[protected]

Dear mr joseph,

Would you be able to advise when should i received the refund?

Thank you.

Regards
Nur

From: joseph bosco [mailto:[protected]@ambankgroup.com]
Sent: monday, july 24, 2017 3:43 pm
To: nur azyyati bt mohd (Fin&risk/upstream)
Cc: nickie adilah yeong binti abdullah ; ambank affiliate desk – housing
Subject: re: housing loan settlement[protected]

Dear puan,

Yes, this is the normal arrangement. We will refund once upon the report.

Regards
Joseph bosco
[protected] ext 81679

From: nur azyyati bt mohd (Fin&risk/upstream) [mailto:[protected]@petronas.com]
Sent: monday, july 24, 2017 2:22 pm
To: joseph bosco
Cc: nickie adilah yeong binti abdullah; ambank affiliate desk – housing
Subject: re: housing loan settlement

Dear mr. Joseph,

Is this the normal arrangement? I did not expect this kind of arrangement and its quite unfair for me as i need to incur additional commitment.
And to wait at the end of next month is too long. Why it can’t be done earlier?

From: joseph bosco [mailto:[protected]@ambankgroup.com]
Sent: monday, july 24, 2017 12:38 pm
To: nur azyyati bt mohd (Fin&risk/upstream)
Cc: nickie adilah yeong binti abdullah ; ambank affiliate desk – housing
Subject: re: housing loan settlement

Dear puan,

If the settlement made within the same month before the salary deduction, that month salary deduction still in effect and we will refund it the end of next month into salary account.

Regards
Joseph bosco
[protected] ext 81679

From: nur azyyati bt mohd (Fin&risk/upstream) [mailto:[protected]@petronas.com]
Sent: monday, july 24, 2017 12:02 pm
To: ambank affiliate desk – housing
Cc: nickie adilah yeong binti abdullah
Subject: housing loan settlement

Dear sir/mdm,

I have refinanced my housing loan with petronas (Ambank) and the new bank has made fully settlement on 10 july 2017.
However, my monthly installment to ambank is yet to stop and still appear in july payslip.

Please advise.

+60 3 2167 3000

www.ambankgroup.com

Level 48, Menara AmBank, No. 8, Jalan Yap Kwan Seng, Kuala Lumpur, Malaysia – 50450

With regards to above mentioned. I would like to complain about poor service from the staff Lam Kar Mum and her manager (not sure her name with mobile no.[protected] from Menglembu Ipoh Branch. Not even poor service but they are disturbing my private issue and my family as well.

I was surrendered my Megafd with policy no. E11500100 on 3rd April 2017 by Lam Kar Mun at Menglembu Branch and told me that the bank will refund me back money latest by a month. Two weeks later she told me that docs incomplete and need my mum which is the beneficiary to sign on and hence cause a delay in in submitting. Her first mistake already cause a delay to me cause I need the money urgently for my personal use and make my mum in troubles in surrender the policy.

I were keep on chasing outcome from Lam Kar Mun and she telling me that everything is ok and wait for KL branch reply. I don't believe that and I called personally to KL hotline and found that my submission is still pending on the 3rd week after my first submission due to pending another docs which is consent from from her. Hence she request again my mum to go down the Menglembu branch for signatory again and hence she claim that she have submitted the form to KL branch last week.

Today 16th May I called to KL branch and Mr Kahar advised that they are yet to received it from Lam Kar Mun. I keep on calling and I were like a ball trewing among Menglembu Branch and KL branch due to shortage of consent form in the submission. I do make calls to her manager on the investigation and she refuse to help and saying that she can't help in this situation.

In addition her manager is calling my mum and ask her folk out money for me urgency. I was quite surprise that she is pushing the responsibility to my family and she is doing nothing about my request to check the status of my submission. End up my mum going pay her own pocket money to my hse loan as I got mentioned that I need the money for housing loan. My plan for the money is for the use of my business actually instead of paying housing loan. This result that I am owing thru my mother and I am yet getting cash for my business and make me a big lost to my self which cost about Rm20k.

I were wonder how come the manager called directly to my mother and talk about my personal issue to her and I think this is seriously against the procedure. She don have the professionalism and don't even qualify as a manager or a staff in Ambank. My private and confidential and my private issue shouldn't disclosed to anyone.

She don't bother to settle the office problem but interrupt in my personal issue and family problem. And cause me and mother another family problem. Herewith I request your end to do a deep investigation about the personality and working attitude about Lam Kar Mum and her manager as soon as possible.

Pls contact me at[protected] and e-mail to me at [protected]@yahoo.com for the updates. Thank you.

+60 3 2167 3000

www.ambankgroup.com

Level 48, Menara AmBank, No. 8, Jalan Yap Kwan Seng, Kuala Lumpur, Malaysia – 50450

I received my AmBank credit card in February and made a purchase that month. On 26 April I received a call to say that I have not paid my credit card bill and was advised to call the bank, which I did. The Customer Service personnel then realised that my email had been wrongly entered and proceeded to correct it and raised a report as I was then told I had to pay for the late charges although it was the bank's error.

He advised me to pay for the late charges in case I was penalised and said that he would raise a report to the management for my case. I made an interbank transaction then to cover the bill. When I received my April statement on May 4, I was penalised yet again. On enquiring, it seems that the transaction was not an immediate one and so another late charge was payable. I then received the February and March e-statements on May 6.

I received my May statement today, but am disappointed and upset to note that AmBank has to date not credited the late charges which I should not have to pay for as it was an error by the bank.

+60 3 2167 3000

www.ambankgroup.com

Level 48, Menara AmBank, No. 8, Jalan Yap Kwan Seng, Kuala Lumpur, Malaysia – 50450

Lack of clarity in the current account statement. Monthly statement does not display total gst amount and bank charges. We as the user have to manually add up every individual gst and bank charges in the statement to get the total figure for the month.

Suggestion
Bank must display summary of the total gst and bank charges at the end of the final page of the monthly statement.

+60 3 2167 3000

www.ambankgroup.com

Level 48, Menara AmBank, No. 8, Jalan Yap Kwan Seng, Kuala Lumpur, Malaysia – 50450

Lack of clarity in the current account statement. Monthly statement does not display total gst amount and bank charges. We as the user have to manually add up every individual gst and bank charges in the statement to get the total figure for the month.

Suggestion
Bank must display summary of the total gst and bank charges at the end of the final page of the monthly statement.

+60 3 2167 3000

www.ambankgroup.com

Level 48, Menara AmBank, No. 8, Jalan Yap Kwan Seng, Kuala Lumpur, Malaysia – 50450

It has been 2 weeks since my lawyer sent advice to disburse balance. I called customer service line and was told that my loan is already fully disbursed 3 days ago. But my lawyer still haven't receive any notification. I asked my lawyer and found out that the disbursement team has not responding for 3 days eventhough the manager has given them order to assist!