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-4187576
12 Jul 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4187576 The complaint Mr A 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 A had a rewards club premium... (2 pages)View decision -
Decision Reference DRN-4071639
10 Jul 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4071639 The complaint Mr T and Mrs T complain about blocked transactions on their cards issued by Creation Financial Services Limited (Creation). What happened Mr T has a credit card account with Creation. He has a card on the account, as does Mrs T (as a secondary cardholder). On 15 N... (3 pages)View decision -
Decision Reference DRN-3915266
6 Jul 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3915266 Complaint Mr B has complained about credit cards Creation Financial Services Limited (“Creation”) provided him with. He says it was irresponsible for the same company to approve five credit cards for him. Background Mr B had five credit card accounts with Creation in total. Mr ... (6 pages)View decision -
Decision Reference DRN-4224227
5 Jul 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4224227 The complaint Mr H complains Creation Financial Services Limited (“Creation”) didn’t treat him fairly when he asked for assistance with obtaining a partial refund for a holiday which he had paid for using his Creation credit card. What happened I issued a provisional decision o... (6 pages)View decision -
Decision Reference DRN-4188519
3 Jul 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4188519 The complaint Mr W 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 W had a rewards club premium... (3 pages)View decision -
Decision Reference DRN-4120112
28 Jun 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4120112 The complaint Mrs S complains that Creation Financial Services Limited (Creation) failed to make clear the terms of a promotion causing her to incur interest charges she wasn’t expecting. What happened Mrs S had a credit card account with Creation. She says she was checking her... (2 pages)View decision -
Decision Reference DRN-4203478
28 Jun 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4203478 The complaint Mr R complains Creation Financial Services Limited unfairly closed his credit card account, refused to transfer points he earned using his credit card, and failed to issue him a voucher for a hotel stay. He says he wasn’t told his account had been closed immediate... (2 pages)View decision -
Decision Reference DRN-4137550
16 Jun 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4137550 The complaint Mr G complains that Creation Financial Services Limited closed his account without notice and didn’t credit his points. He’d like compensation for the closure and the points returned. What happened Mr G had a reward club credit card account with Creation. This inc... (2 pages)View decision -
Decision Reference DRN-4088966
13 Jun 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4088966 The complaint Mr A is unhappy that Creation Financial Services Limited (Creation) didn’t refund a payment he made using his credit card. What happened In November 2018 Mr A, using his Creation credit card, purchased an audio/visual equipment from a supplier/merchant – I will re... (4 pages)View decision -
Decision Reference DRN-3963835
17 May 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3963835 The complaint Mr B complains that he couldn’t make a payment to Creation Financial Services Limited trading as Creation (Creation) to repay monies owed to his credit card. What happened In October 2022, Mr B says he attempted to make a payment to his Creation credit card accoun... (3 pages)View decision
