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 2587 results
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Decision Reference DRN-6051153
8 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6051153 The complaint Mr O has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr O opened an account with Monzo in February 2024. In June 2025 Monzo received a fraud report from another bank about two payment... (2 pages)View decision -
Decision Reference DRN-6010031
8 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6010031 The complaint Miss A has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Miss A opened an account with Monzo in December 2021. In July 2024 Monzo received a fraud report from another bank about a payme... (2 pages)View decision -
Decision Reference DRN-5793071
8 Jan 2026 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5793071 The complaint Miss W complains that Monzo Bank Ltd closed her account, caused her to go into her unarranged overdraft, and incorrectly reported her credit history to the credit reference agencies. What happened Miss W held a current account with Monzo, with a £600 overdraft ... (4 pages)View decision -
Decision Reference DRN-6062329
8 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6062329 The complaint Mr M complains that Monzo Bank Ltd discriminated against him by closing his current account after he told it about his disability. He also complains about its handling of his requests for the information it holds about him. What happened Mr M had a current acc... (2 pages)View decision -
Decision Reference DRN-5985613
7 Jan 2026 Monzo Bank Ltd Not upheldConsumer CreditDRN-5985613 The complaint Mr S complains that Monzo Bank Ltd was irresponsible in its lending to him. He wants all interest and charges on his loans refunded along with statutory interest and any negative information removed from his credit file. What happened Mr S was provided with two... (3 pages)View decision -
Decision Reference DRN-5893037
7 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5893037 The complaint Miss L has complained about how Monzo Bank Ltd (Monzo) handled a refund claim she made. What happened As all parties are familiar with this complaint, I’ll only summarise the key background where necessary in my findings below. What I’ve decided – and why I’ve ... (3 pages)View decision -
Decision Reference DRN-6013795
7 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6013795 The complaint Mr J complains Monzo Bank Ltd (“Monzo”) closed his account earlier than within the notice period he’d been given which resulted in a default unfairly being added to his credit report. What happened Monzo sent Mr J a notification on 3 May 2025 advising that it ... (4 pages)View decision -
Decision Reference DRN-5761552
6 Jan 2026 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5761552 The complaint Mr O complains that Monzo Bank Ltd (Monzo, hereinafter) hasn’t refunded the losses he’s incurred when falling victim to a job task scam. What happened Mr O found the scam via an advert online in the summer of 2023. He was contacted by the scammer with a commi... (5 pages)View decision -
Decision Reference DRN-5926726
6 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5926726 The complaint Mr S complains that Monzo Bank Ltd hasn’t reimbursed the money he’s said he has lost to a recovery scam. What happened Mr S has explained that he was approached by an individual who said they could help him recover the money he’d lost to a cryptocurrency invest... (1 page)View decision -
Decision Reference DRN-6039797
6 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsThe complaint Mrs B complains that Monzo Bank Ltd won’t refund the money she lost as a result of a scam. Mrs B is represented in this complaint, but I’ll refer to her as it’s her complaint. What happened There is limited information on what happened as Mrs B didn’t retain all her dialogue ... (6 pages)View decision