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 1546 results
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Decision Reference DRN-3929717
11 Sep 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3929717 The complaint Mr G is a sole trader. He complains about HSBC UK Bank Plc’s actions when it closed his accounts and terminated a Bounce Back Loan (BBL). Specifically, he complains that the bank unfairly applied a Cifas marker against his name. What happened In June 2020 Mr G suc... (4 pages)View decision -
Decision Reference DRN6367416
2 Jun 2020 Tesco Personal Finance PLC UpheldBanking and creditMr B’s complaint is that Tesco Personal Finance Plc (Tesco) unfairly closed his account and registered a fraud marker against his name on the national fraud database, CIFAS.backgroundIn October 2015, Mr B noticed his two Tesco accounts were blocked. They were then closed without notice, an... (2 pages)View decision -
Decision Reference DRN0584694
10 Oct 2017 Lloyds Bank PLC Not upheldBanking and creditMiss M complains that Lloyds Bank Plc incorrectly registered adverse information about how she conducted her account. She also says Lloyds wrongly recorded her details on the Credit Industry Fraud Avoidance System (CIFAS). And didn’t remove the CIFAS marker soon enou... (3 pages)View decision -
Decision Reference DRN4919809
13 Nov 2013 Experian Limited UpheldBanking and creditMr J complains that Experian Limited told him that there was a CIFAS warning on his credit file. He also believes it has recorded incorrect information on his credit file.background Mr J tried to open a bank account in February 2011. The bank wrote to him explaining that his applicatio... (2 pages)View decision -
Decision Reference DRN0256957
4 Jan 2018 Barclays Bank Plc UpheldBanking and creditMr B is unhappy with Barclays Bank Plc as it applied a CIFAS marker against him. Mr B says it was applied incorrectly.backgroundIn 2014 Mr B applied for a credit card with Barclays but his application was declined. Mr B assumed this was because he was 18 and hadn’t ... (3 pages)View decision -
Decision Reference DRN7966948
21 Apr 2020 Shop Direct Finance Company Limited UpheldBanking and creditMr L’s complaint against Shop Direct Finance Company Limited (Shop Direct) is that it recorded a CIFAS marker against him.backgroundIn November 2015, Mr L opened a credit account with Shop Direct, and placed three orders for goods.After this he says he started university and moved address ... (3 pages)View decision -
Decision Reference DRN1648398
15 Jul 2019 National Westminster Bank Plc UpheldBanking and creditMr G complains that National Westminster Bank Plc (‘NatWest’) wrongly recorded a marker against his name with a fraud prevention agency, CIFAS, that indicated he’d committed fraud on his credit card account and then failed to remove it in a timely way.BackgroundMr G held a credit card acco... (5 pages)View decision -
Decision Reference DRN3185432
15 Dec 2020 Bank of Scotland Plc Not upheldBanking and creditMs B complains that Bank of Scotland Plc registered a fraud prevention marker against her without due cause. background In December 2017 Ms B got in touch with Halifax (a division of Bank of Scotland Plc) as she had noticed transactions on her current account to a gambling website that she... (3 pages)View decision -
Decision Reference DRN1826535
19 Aug 2019 Metro Bank PLC Not upheldBanking and creditComplaintMs C is unhappy that Metro Bank PLC added a Credit Industry Fraud Avoidance System (CIFAS) marker against her name. She says this has led to her having her bank account closed. And she wants Metro to remove her CIFAS marker. backgroundMs C opened an account with Metro Bank in 2017... (3 pages)View decision -
Decision Reference DRN4698687
24 Aug 2020 FirstRand Bank Limited UpheldBanking and creditMr I complains that FirstRand Bank Limited, trading as MotoNovo Finance (“MotoNovo”), were wrong to place a Credit Industry Fraud Avoidance System (CIFAS) marker against his name.backgroundI issued my provisional decision on this complaint in July 2020. I explained that I was intending to ... (7 pages)View decision
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