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 1177 results
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Decision Reference DRN-5661660
11 Sep 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5661660 The complaint Mr K complains that Wise Payments Limited (Wise) won’t refund the money he lost in a job scam. Mr K is represented in this complaint, but I’ll refer to him as it’s his complaint. What happened The detailed background to this complaint is well known to both par... (6 pages)View decision -
Decision Reference DRN-5586931
11 Sep 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5586931 The complaint Mr H complains that Wise Payments Limited (Wise) is refusing to refund him the amount he lost as the result of a scam. Mr H is being represented by a third party. To keep things simple, I will refer to Mr H throughout my decision. What happened The background o... (3 pages)View decision -
Decision Reference DRN-5215961
10 Sep 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5215961 The complaint Ms M complains that Wise Payments Limited won’t refund money she lost to a scam. Ms M is represented by a firm, but for ease I have only referred to Ms M in my decision. What happened The details of this complaint are well known to both parties so I won’t repea... (2 pages)View decision -
Decision Reference DRN-5771768
10 Sep 2025 Wise Payments Limited UpheldBanking and PaymentsDRN-5771768 The complaint Mr B complains that Wise incorrectly accused him of breaching international sanctions. What happened Mr B had an account with Wise. In July 2024, Mr B attempted to make a payment in US dollars to a bank account based in the United States. Wise asked for additi... (3 pages)View decision -
Decision Reference DRN-5203695
10 Sep 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5203695 The complaint Mr L is complaining that Wise Payments Limited trading as Wise haven’t agreed to reimburse him for payments which he now believes to have been made to a scam. The complaint is brought on his behalf by a professional representative, but I’ll mainly refer to Mr L... (3 pages)View decision -
Decision Reference DRN-5640468
9 Sep 2025 Wise Payments Limited UpheldBanking and PaymentsDRN-5640468 The complaint Mr P is unhappy that Wise Payments Limited will not refund the money he lost as the result of an authorised push payment (APP) scam. Mr P has brought his complaint to this service through a representative. For ease I will refer solely to Mr P in this decision.... (4 pages)View decision -
Decision Reference DRN-5807460
9 Sep 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5807460 The complaint Miss P has complained that Wise Payments Limited won’t refund the payments she made on behalf of her mother, when her mother fell victim to a scam. What happened In 2023, Miss P’s mother – who I’ll refer to as Mrs P – entered into an investment scheme which unf... (3 pages)View decision -
Decision Reference DRN-5382484
5 Sep 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5382484 The complaint Mr E complains that Wise Payments Limited won’t refund a payment he made for an item he says he didn’t receive. What happened The background to this complaint is well known to both parties and so I’ll only refer to some key events here. Mr E has explained he pu... (4 pages)View decision -
Decision Reference DRN-5754377
4 Sep 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5754377 The complaint Mr S complains that Wise Payments Limited has not recovered funds which were credited to the wrong account. What happened In May 2023 one of Mr S’s clients tried to pay an invoice for US$13,000 by way of transfer to his Wise account. Wise is an international mo... (2 pages)View decision -
Decision Reference DRN-5755834
3 Sep 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5755834 The complaint Mr M complains that Wise Payments Ltd has declined to reimburse payments made in relation to an investment scam. What happened As the parties are familiar with the facts of this case, I’ll summarise them briefly. In January 2023, Mr M saw an advert on social me... (3 pages)View decision