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 171072 results
-
Decision Reference DRN-5710398
30 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5710398 The complaint Mr D complains that NewDay Ltd lent irresponsibly when it approved three credit card applications he made and also increased the credit limit. What happened Mr D applied for a Fluid credit card with NewDay in September 2022. In his application, Mr D said he wa... (4 pages)View decision -
Decision Reference DRN-5724589
30 Jul 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5724589 The complaint Mr Y complains that Wise Payments Limited refused to make chargeback requests in respect of three payments for purchases on eBay. What happened In August 2024 Mr Y bought three appliances from Dyson’s eBay store – two hair stylers for £299.99 each and a vacuum ... (3 pages)View decision -
Decision Reference DRN-5365695
30 Jul 2025 Gain Credit LLC Not upheldConsumer CreditDRN-5365695 The complaint Mr P complains that Gain Credit LLC trading as Lending Stream lent to him without doing the right checks and if it had done better checks it would have seen his finances were in a mess and it would not have lent to him. What happened Here is a table to summaris... (3 pages)View decision -
Decision Reference DRN-5156337
30 Jul 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5156337 Complaint Miss M is unhappy that Monzo Bank Ltd didn’t reimburse her after she reported falling victim to a scam. Background The background to this complaint is already well known to both parties, so I will provide only a summary of the key events. In 2024, Miss M was target... (4 pages)View decision -
Decision Reference DRN-5683282
30 Jul 2025 PayPal UK Ltd Not upheldBanking and PaymentsDRN-5683282 The complaint Miss L complains PayPal UK Ltd permanently limited, or blocked, her account. What happened Miss L sent some money to people she knows, and they told her they hadn’t received it. Miss L asked PayPal to return the money, and it did. PayPal then told Miss L it ... (2 pages)View decision -
Decision Reference DRN-5724088
30 Jul 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5724088 The complaint Mr A complains Barclays Bank UK PLC’s IT outage meant he couldn’t pay credit agreements and caused significant inconvenience. What happened There was an IT outage over the weekend of 31 January to 2 February 2025, and Mr A says this stopped him viewing his ba... (3 pages)View decision -
Decision Reference DRN-5485712
30 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5485712 The complaint Miss H complains NewDay Ltd trading as Aqua and Marbles (NewDay) acted irresponsibly when it provided her with two credit card accounts. What happened Miss H says NewDay approved two credit card accounts for her - card A in November 2019 with an initial credit ... (3 pages)View decision -
Decision Reference DRN-5724140
30 Jul 2025 PayPal UK Ltd UpheldBanking and PaymentsDRN-5724140 The complaint Miss T complains PayPal UK Ltd won’t refund her for a delivery she didn’t receive. What happened Miss T bought $2,000 worth of items from a seller online and the parcel wasn’t delivered. Miss T raised a buyer protection claim with PayPal and sent it informati... (3 pages)View decision -
Decision Reference DRN-5174657
30 Jul 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5174657 The complaint Mr G complains that Revolut Ltd hasn’t refunded the money he lost when he fell victim to a scam. What happened Mr G was contacted on a mobile messaging service by someone saying they had a job offer for him, he had been looking for work at the time, so this di... (3 pages)View decision -
Decision Reference DRN-5165720
30 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5165720 The complaint Mr S complains Vanquis Bank Limited (“Vanquis”) only asked him to provide source of wealth information once he’d deposited funds in his new savings account. Mr S says Vanquis should have made it clear that it required this from the application stage. What happ... (4 pages)View decision
