Emirates NBD's Liv account-Seeking Clarity

In 2020, I opened a Liv account in the UAE. After two years, I requested to close it as I was returning to my home country. My Emirates ID expired, and I no longer had access to the Liv app.

Recently, after nearly 2.5 years, I returned to the UAE and planned to reactivate my regular savings account. To my surprise, I discovered that my Liv account was still active and had accumulated a negative balance due to monthly fees for not maintaining the minimum balance.

This situation raises a concern: when I left the UAE, my account had no negative balance, and my Emirates ID was expired. Shouldn’t the bank have either closed the account or put it on hold under such circumstances? Instead, the bank continued to charge me monthly fees.

What if I had returned after 10 years? Would I have been charged fees for all those years? I’m unsure if this aligns with standard banking practices, but it seems unfair.

I’d appreciate insights or advice on whether this is typical banking policy. Have others experienced something similar?