We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 366 results
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Decision Reference DRN-2489753
9 Jan 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2489753 The complaint Mr B complains that Creation Financial Services Limited (“Creation”) sold his account to a third party without telling him. What happened Mr B had a credit card account with Creation. In March 2019, he contacted Creation and explained that, following a change in ... (3 pages)View decision -
Decision Reference DRN-2473400
4 Jan 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2473400 The complaint Mr C is unhappy that Creation Financial Services Limited (Creation) has not refunded some unauthorised transactions on his credit card. What happened On two occasions, Mr C contacted Creation to dispute some transactions on his credit card account. Both times, Cr... (4 pages)View decision -
Decision Reference DRN-2449047
21 Dec 2020 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2449047 The complaint Mr C complains that Creation Financial Services Limited suddenly started charging him a monthly fee for a credit card he’d had for some years. He said he hadn’t been properly notified that this was part of his terms and conditions, so he didn’t think he should pay... (3 pages)View decision -
Decision Reference DRN-2163020
11 Dec 2020 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2163020 The complaint Mr B complains that Creation Financial Services Limited (CFS) unfairly recorded a default about his account with credit reference agencies. He also complains about poor service provided by Creation Financial Services Limited. Mr B is represented by Miss B. What ha... (4 pages)View decision -
Decision Reference DRN-2398309
8 Dec 2020 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2398309 The complaint Mr H complains about fees applied to his account by Creation Financial Services Limited (“Creation”). What happened In February 2020, Mr H used his Creation credit card to make a purchase while he was abroad. He checked his account the following day and, seeing th... (3 pages)View decision -
Decision Reference DRN-2278839
24 Nov 2020 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2278839 The complaint Mr C says that Creation Financial Services Limited (“Creation”) incorrectly treated a transaction on his card as a cash related transaction and applied interest which he shouldn’t have been charged. What happened Mr C has a credit card account with Creation. In Ma... (3 pages)View decision -
Decision Reference DRN-2214486
23 Nov 2020 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2214486 The complaint Mr A complains Creation Financial Services Limited (“Creation”) have declined payments on his credit card and sometimes required the use of his PIN when making contactless payments on the account. What happened Mr A came to us as he was unhappy with the response h... (2 pages)View decision -
Decision Reference DRN-2178926
30 Oct 2020 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2178926 The complaint Mr H complains Creation Financial Services Limited incorrectly recorded a late payment marker on his credit file. He says Creation’s actions have impacted his credit score, and also caused his credit card limit to be decreased. What happened Mr H’s credit card pay... (2 pages)View decision -
Decision Reference DRN-2213949
22 Oct 2020 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2213949 The complaint Mr E complains that Creation Financial Services Limited (‘Creation’) declined a payment he attempted on his credit card and then blocked his card. He’s also unhappy that Creation delayed contacting him to tell him why they had done this and to arrange for his card... (3 pages)View decision -
Decision Reference DRN9974249
1 Oct 2020 Creation Financial Services Limited Not upheldBanking and creditMiss F complains that Creation Financial Services Limited (“Creation Finance”) haven’t supported a claim she made to them under section 75 of the Consumer Credit Act 1974 (“section 75”). background The details of this complaint are well known to both parties, so I won’t repeat them again h... (2 pages)View decision