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 361 results
-
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 -
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
