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 356 results
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Decision Reference DRN-4203977
11 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4203977 The complaint Miss L complains that Creation Financial Services Limited won’t refund all the credit card payments she didn’t make. What happened Miss L says she told Creation that she didn’t recognise some payments on her credit card account. It made a refund to her. But she sa... (3 pages)View decision -
Decision Reference DRN-4232939
8 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4232939 The complaint Mr L complains Creation Financial Services Limited closed his account. He would like his free night voucher and compensation. What happened The facts which led to Mr L bringing this complaint to our service are well known to both parties, so I am not repeating the... (2 pages)View decision -
Decision Reference DRN-4231098
4 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4231098 The complaint Mr M complains that Creation Financial Services Limited closed his account, which meant he missed out on rewards points and a hotel voucher. He’d like compensation and to be awarded the voucher. What happened Mr M had a credit card account with Creation. The accou... (2 pages)View decision -
Decision Reference DRN-4242409
4 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4242409 The complaint Mr K complains Creation Financial Services Limited (“CFS”) closed his credit card account, and in doing so failed to: refund his annual account fee; provide a hotel voucher for a free night stay; and to transfer his reward points to the scheme operator. What happe... (3 pages)View decision -
Decision Reference DRN-4274500
31 Jul 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4274500 The complaint Mr S complains that Creation Financial Services Limited closed his account, didn’t credit his points, a free night stay voucher or refund the annual fee. He’d like his benefits credited and compensation for the impact. What happened Mr S had a rewards club premium... (3 pages)View decision -
Decision Reference DRN-4249104
27 Jul 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4249104 The complaint Mr C complains that Creation Financial Services Limited closed his account, didn’t credit his points, a free night stay voucher or refund the annual fee. He’d like his benefits credited and compensation for the impact. What happened Mr C had a rewards club premium... (2 pages)View decision -
Decision Reference DRN-4237352
26 Jul 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4237352 The complaint Mr C complains that Creation Financial Services Limited closed his account, didn’t credit his points, a free night stay voucher or refund the annual fee. He’d like his benefits credited and compensation for the impact. What happened Mr C had a rewards club premium... (2 pages)View decision -
Decision Reference DRN-4192858
24 Jul 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4192858 The complaint Mrs M complains Creation Financial Services Limited refused to issue a pro-rata refund of her account fee and failed to issue her a voucher for a hotel stay. What happened Mrs M held a credit card with Creation linked to membership of a reward scheme with a third-... (3 pages)View decision -
Decision Reference DRN-4196913
24 Jul 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4196913 The complaint Mr M complains Creation Financial Services Limited refused to transfer points he earned using his credit card, refused to issue him a prorated refund of his account fee, and failed to issue him a voucher for a hotel stay. What happened Mr M held a credit card with... (3 pages)View decision -
Decision Reference DRN-4184515
14 Jul 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4184515 The complaint Mr D is unhappy Creation Financial Services Limited (Creation) treated his payment as a cash transaction and applied fees and interest to his account. What happened In January 2023 Mr D used his credit card to make a payment in relation to a mortgage application f... (2 pages)View decision
